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: V Howell

Horrible customer service and expensive

I have one dog on AKC. Insurance and the other dog. I decided to try pets best. They are horrible. They hardly ever pick up on the phone and it's usually a 20 minute wait to talk to a human. They do not respond to emails. The charge for my dog per month was $190, because she was an adult, most of the issues she had that I tried to submit, they claimed or pre-existing which some were not Then my dog died, and I tried to cancel the account. I could not get ahold of anybody by phone and I sent several emails which were ignored. (They also take 3 weeks to return a reimbursement for a pet bill, while AKC somebody picks up on the phone immediately and I usually get reimbursement in 3 days to a week). I wouldn't do business with this company, but i am staying with AKC Insurance for my next dog.
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5

out of 5

POSTED: | BY: Sheree

Great service

Claim submission easy. Claim payment prompt and understandable. Made according to my policy terms
5

out of 5

POSTED: | BY: Jerry Smith

I took out Pets Best insurance a couple…

I took out Pets Best insurance a couple of months ago, it was very easy to set up and choose exactly what you want. Cody had his yearly checkup and I submitted the bill to Pets Best, within 3 days we received an email telling me how much was covered and to expect payment. My wife and I were very impressed with your quick service and ease of opening a claim. Thank you!!
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5

out of 5

POSTED: | BY: Tish

Easy Breezy

Submitting my first claim was a breeze and my credit card was credited less than a week later!
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5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: JOANN

Money well spent

"This is the 5th kitty that I have insured with PB. This is the first kitty that became critically ill. I cannot imagine NOT being insured. I never wanted to face not being able to care for my pet because I could not afford it. For each kitty, I was able to customize my policy and had excellent customer service help along the way. My claims were easy to file and were settled in a reasonable amount of time. This Kitty will be going to the Bridge soon, but I can keep her well cared for without worry of cost - Thank you PB!"
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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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