Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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.
4

out of 5

POSTED: | BY: Gerald Bailey

They've been good to us overall

Overall, claims are easy to submit, payment is easy and it's a life saver when it covers what you need. Claim speed varies directly with the claim amount. The more the reimbursement is, the longer we've had to wait. Customer service is helpful and courteous, within the guidelines they have to follow. What is frustrating is that there isn't clear I dication of what will or will not be covered. There's no way to get preauthorization to know what will be covered in advance of treatment. It's a submit and hope for the best situation. It's worked out for us so far for the most part, but it is certainly stressful that its an unknown as far as what will happen with the claim. If they added the capability for preauthorization to know what the outcome will be ahead of treatment, my review would be 5 stars.
1

out of 5

POSTED: | BY: KC

Typical insurance company....

My dog was diagnosed with cancer with referral from my vet to get a sonogram to confirm. He stayed over night. We had to put him down. Total cost to me approx $5000. Pets Best cough up $140. Disgusting. Worthless having them. Put a regular dollar amount in a savings account for a rainy day and you would be better off.
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1

out of 5

POSTED: | BY: Lauren Grams

Appeal nightmare

The amount of back and forth with Pets Best on a reabsorbed tooth for our poor cat, despite multiple signed letters from our veterinarian team was awful. Having to appeal decisions after providing all the paperwork they required and the overall wait time for Reimbursement and decisions on cases is much below industry standard.
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5

out of 5

POSTED: | BY: Ana Milena

Good Pet Insurance

We have been with Pets Best since 2018 and this year we needed to use it for a TPLO surgery and I was not sure if they were going to cover it. They did cover the surgery and all the medicine and it was easy to submit the claim. We received 90% of the balance in 6 weeks. I really recommend this insurance!
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5

out of 5

VETERINARIAN: Francis Martin

POSTED: | BY: Kerry D Boyd

Excellent Pet Insurance

I've been with this company for 7 years now. I now have two pets covered {mother & daughter.) When I took out this insurance upon getting my pet, I had no idea of pet insurance. This is the first pet I've owned in years. They have a variety of coverages to choose from. I of course, unlike some took out the coverage that is called unlimited. It covers pretty much everything you can think of. They will reimburse you I do believe is 90% of what you paid. Once you send in your proof of payment to the vet, upon review you receive your 90% back usually within 15 to 30 days max. I've never known an insurance company to do such. In the past I probably would've taken the least expensive policy, thinking I'd never use. You can't go wrong with this company for whatever you pay, most is actually reimbursed. I've never considered any other pet insurance, I highly recommend or looking into if in search of pet insurance,
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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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