Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,179

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: Joanne Teik

Submitting claim was so easy!!

They made this so easy to submit a claim! And the reimbursement was quick and went right into my bank account. Love this company!
4

out of 5

POSTED: | BY: denise bohling

I've had this plan since we adopted my…

I've had this plan since we adopted my girl she had an accident when she was playing in the yard chasing butterflies and popped her knee cap out and it wouldn't stay in after rest and meds I made the call to get back with her vet and have surgery although it took a bit longer to get reimbursed but it covered all that was expected after the deductible was met and have never had an issue yes they went up on the cost by just a few bucks more a month which isn't bad although I wish it would pay the bill up front instead of reimbursement
5

out of 5

POSTED: | BY: Kristin Cherry

Pets Best makes it really easy to file…

Pets Best makes it really easy to file claims and get reimbursed quickly. I’m impressed.
2

out of 5

POSTED: | BY: Amanda

Better options elsewhere

Really just doesn’t cover all that much. I pay for the wellness and preventative coverage option, but nothing is ever reimbursed. There are other pet insurance companies out there that have much better wellness reimbursements.
1

out of 5

POSTED: | BY: Gayle Gwozdz

Much higher rates in 2024, much lower ratings/reviews!

I have had Pets Best since I got my dog 5 years ago. I have never submitted a claim and fortunately, my dog is pretty healthy. I noticed starting 2 years ago that their prices were increasing by leaps and bounds compared to other insurers and they were also dropping in the ratings. I have a $1,000 deductible on my plan and I have never submitted a claim. Last year the price increased by $100 with no additional benefits offered. This year, however, the price increase was astronomical in my opinion. The price went from $401 last year to $628 this year!!! That's an increase of $227 and I have the highest deductible possible!!! I can see why they've dropped out of the top 5 recommended pet insurers. If for no other reason, their prices are out of this world! I think it's probably time to look for another insurer - one that is ranked higher with their member reviews and also one that is ranked higher by the companies that rate pet insurers. Additionally, when I called their "Vet" helpline, no veterinarian was present to answer my questions. The girl answering the phone was a vet tech who seemed to know less than I did about dogs. She had to look up the answers to my questions AND then she gave me incorrect advice. Fortunately, I did not listen to her since she did not sound credible. I complained about the fact that they advertised having a vet available when this was untrue, but it was to no avail. I wonder if perhaps that is why my rates increased so much this year...

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 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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