Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S. Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Jeanna

Used to be better, not great any longer

Pets best used to be decent insurance, I've had them for years. Recently however customer service has been unavailable, by phone only, taking over 30 minutes to contact someone who cant resolve your problem. The website has been down for months with no access through the app either. Account was locked don't an durable to fix through customer service. Unable to place claims, even though they deducted my premiums with no problem. Used to be a better service, very dissapointed .
5

out of 5

VETERINARIAN: Wellsboro Veterinary Hospital & Reptile & Bird Clinic

POSTED: | BY: Adrian

Very good

I have had the insurance for a few years. I never filed a claim. Now one of my dogs has been sick and I've filed quite a few claims. They have been very quick to review and pay.
5

out of 5

VETERINARIAN: MedVet Cleveland

POSTED: | BY: Any

Pet insurance

Pets best has been absolutely amazing in covering our claims. My dog has an aggressive cancer and they have covered everything no questions asked. Honestly they will never know how much of a blessing they have been during such a terribly difficult time. The grief is unbearable at times but knowing they have been so good at covering everything he needs gives me peace of mind. Forever grateful for this company and the time they have given me with Brody!
3

out of 5

POSTED: | BY: Marillouise

Good but with a few problems

Up til now, they have been good, but my last claim is having issues. My dog had surgery and part of the invoice included 2 sets of pre paid post surgery x-rays. They did not cover them on that invoice as hasn’t happened yet. When set in invoice for first set, didn’t pay it as there wasn’t a charge for then, even though I sent in invoice for surgery with it to show I had paid. Contested it and still waiting for an answer
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1

out of 5

POSTED: | BY: Missey Chavez

Horrible!

Horrible!! I had two claims with them and it took them over a month to pay them out. Additionally, they continually asked me for the same documentation several times. When I would call to inform them that I had already sent in the medical records they would tell me that they need something else (something I had already sent in). The on hold times would sometimes be over 45 min! The way the claims were paid out doesn't make sense to me, I've worked in insurance billing for years and have an extensive knowledge in how claims are calculated and it doesn't make sense to me how they paid out my claim (shorting me over $100). All in all, bad experience and cancelling my account.
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Monthly Cost

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.

Deductible

$50 – $1,000 annually.

Age Limits

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Waiting Period

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

Exclusions

Pre-existing conditions are not covered. Elective and preventive procedures are not covered.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best Pet Insurance detail
Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.
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