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.
5

out of 5

POSTED: | BY: Mollie Maloney

The initial turn around time for claims…

The initial turn around time for claims was longer but I never had it take more than 30 days to get an explanation of benefit. Towards the end of me filling claims after everything had gotten established, I had an explanation of benefit within a few days -- in one case it was even processed within a few hours of me submitting it. I was very happy with the coverage and whenever something wasn't covered, they included the policy section to refer to which I found very helpful. Having pets best allowed me to fight a little extra longer for my furry friend since I didn't need to worry about paying the full cost of his various vet visits, hospitalizations, and visits to a specialist. The only thing I wish is that the direct deposits would process quicker. There would usually be about a week between my payment reimbursement dates on the explanation of benefit and when the money was actually deposited into my account.
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5

out of 5

VETERINARIAN: NC State Veterinary Hospital

POSTED: | BY: Carol Howey

The name is apt!

Not the cheapest but the best in all categories. Easy to understand policies, great customer service, super easy claim process, quick efficient handling and above all they pay exactly as promised. I’ve been a customer for 4 years with up to 3 dogs.
3

out of 5

POSTED: | BY: Cassy Rowe

Easy to use, classifies claims wrong

On the surface Pets Best seems like a great insurance to have. Submitting a claim is easy. They process them relatively quickly IF you provide the medical notes. They tend to classify EVERYTHING POSSIBLE as an allergy so they can classify as pre-existing. An ear infection that needs anti-yeast medication is clearly not a seasonal allergy. So you have to watch claims carefully and submit appeals which is a lot of extra work.
5

out of 5

POSTED: | BY: Shara Haberman

Pets Best is the BEST!!!

I am so grateful for our dog's medical team and everyone at Pets Best! It is not easy to see your pet in pain and discomfort. The customer care team and Pets Best supported me throughout these difficulties and helped me understand the claims process, and the unlimited cap on our coverage is making it possible for us to give our dog the medical care he needs for the rest of his life. Our first set of claims added up to $2,700, just to figure out what was wrong and get the meds he needs. Pets Best paid out, as promised, and made the claims process easy! Thank you to everyone at Pets Best and thank you to all the amazing doctors and specialists who are providing such great care for our beloved pup!
2

out of 5

POSTED: | BY: Trampas Jordon

PB Takes your premiums but rarely pays

I am not really happy with Pets Best. I pay a lot in premiums, but it seems nothing is covered. When they do cover anything, it is only a partial coverage and that is applied to the deductible. With only a small "covered amount" applied to the deductible, it is almost impossible to meet that deductible. The return on investment is low to nonexistent. With that said, I am sure that if there was a major illness or accident, that this insurance would be invaluable. I will keep this insurance for now and presently supplement this policy with a program through my vet's office.
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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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