Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,621

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

VETERINARIAN: Tongass Veterinary Services

POSTED: | BY: Lynn

Terrible pet insurance

I have had Pets Best insurance for a year. My dog tore his ACL so I got insurance then he tore the other ACL. Pets Best wouldn't cover surgery for his other leg because it was considered pre-existing even though it was the other leg. I know this is common with pet insurance, so that wasn't the issue for me, even though that's obviously seriously lame too. They also wouldn't cover any of the meds they had to give him to calm him down to take the xray, the meds they prescribed for the pain for tearing his ACL, or the medication I got him for his anxiety because the anxiety is considered pre-exiting too simply because he had been brought to a vet before I adopted him who noted that he exhibited anxious behavior. He's a chihuahua terrier mix, so duh he exhibited anxious behavior. And also, I just have to laugh that anxiety is even considered a "pre-existing" condition. So basically, pets best won't cover a single thing and 100% is not worth it.
2

out of 5

POSTED: | BY: Chicky N

Less Coverage Each Year

The coverage from these guys seems to have plummeted. I’m supposed to get 90-100% reimbursement on wellness yet nothing seems to be covered anymore.
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5

out of 5

POSTED: | BY: mike richardson

Pets Best has been a life saver for my…

Pets Best has been a life saver for my dogs! I can't imagine not having Pets Best insurance for my dogs, it is such a peace of mind. I can make decisions based on the well-being of my dogs instead of financial concerns. I will never be without Pets Best insurance for my dogs. The claims are easy to file and the decisions are fast and fair. I can't say enough good things about Pets Best.
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1

out of 5

POSTED: | BY: Lisa

Horrible!

When I started with two dogs with this company they were great. The bills got insane on my older pet from them with NO CLAIMS. The premium went through the roof. My younger dog's premiums are now insane. Very few claims 2 years ago. This company will price gouge you. Expect it! I would not chose them! You call they are of no help. They have clueless customer service agents.
5

out of 5

POSTED: | BY: Consumer

This was my first time to file a claim

This was my first time to file a claim. The process was very easy. After 2 weeks they sent an email saying they were a little behind in processing claims. As it was my first time to file I called to make sure they had received all the information they needed and did they know how long the process would take. The customer service person I spoke to was so nice, patient and helpful. And within 48 hours I received the email that my claim was processed! I’m so glad I took out insurance on my 2 kittens and I made the right choice with Pets Best!!!
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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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