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.
4

out of 5

VETERINARIAN: All Saints Animal Hospital

POSTED: | BY: Monica Hubbard

Very slow in paying claims

Their premiums have been reasonable and it’s easy to file claims on their app and they have paid all our claims in the 4 yrs we’ve had this insurance (minus deductible of course) for our boy with a liver condition. BUT they take 4+ weeks to pay, even with direct deposit.
1

out of 5

POSTED: | BY: Dev

Pets Best is worst company for pet…

Pets Best is worst company for pet insurance They increase the premium year after year even if you don't make any claim But once you need it for a cancer related surgery, they give you run around. They don't reimburse anything
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5

out of 5

POSTED: | BY: Brian Alexander

Customer service is always great when…

Customer service is always great when we file a claim. They are quick to process and respond if we have questions.
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1

out of 5

POSTED: | BY: Jenn

There are many issues

There are many issues. If i wasn’t stuck in a position where, switching companies would ban pre-existing conditions, I would cancel my policy. Unfortunately, I’m stuck here. The app never works, customer service is horrible, claims processing takes way too long, as well as pay outs. Things are many times denied being payed out, that def should be covered, and paid out for. Overall, this company is poor, at best. Many things need to change here, and yet nothing is being done about it. It’s very frustrating.
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5

out of 5

POSTED: | BY: Kayla Hollenbaugh

Smooth, compassionate experience

You always expect dealing with insurance of any type to be a hassle, but I've been super happy with my experience with Pets Best. Everything that I expected to be covered under my chosen policy was covered, never had to fight over a claim, and they were all processed fairly quickly. When I had an issue with checks sending to an old address, didn't have to wait long to reach a real customer service rep, and she was super helpful. Also small detail here, but I remember when my Murphy passed I dreaded having to deal with a complicated cancellation process and worried about waiting for claims for the emergency vet to process in case cancelling affected those. However, Pets Best gathered from my claims that he had passed (even though I didn't have cremation covered, it was on that large ER invoice) and they automatically canceled for me and refunded me the pro-rated amount for the quarter I had already auto-payed. Small act, but it actually meant a lot to me to take something off my plate at that time. Will be happy to re-insure again with them when I adopt another pup!
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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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