Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,145

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: Jared Warn

Pets best covers very little

Pets best covers very little, and hides behind a complex process. Even when paying for all the extras. Every visit you want pets best to pay for will require you to submit your receipts for review. Reimbursement only. On these receipts the will pick apart every line. I pay for every add on, and the highest priced plan. Still, even during years when I have a major emergency pets best underperforms. Spay, covered under 1/4, emergency toe removal, covered under half, regular care nails, checkups, anal glands, “cosmetic” and not covered. Vaccines, not covered. Even with the vaccine add on. Whether you depend on this insurance for emergency, or regular care you will be let down.
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1

out of 5

POSTED: | BY: Ryan Millard

They hardly cover anything even when my…

They hardly cover anything even when my monthly premium is $60 per month and when they do cover something it takes forever to get reimbursed
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5

out of 5

POSTED: | BY: Sara Harvey

Wallet and Life Saver

I’ll be honest Pets Best is probably one of the best investments I have made next getting my dog. My little dude ended up with some tumors and a broken tooth over time and I never really had to worry about affording it because of my coverage. It’s also helpful with recurring medications and wellness checks.
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5

out of 5

VETERINARIAN: Veterinary Medical Center of Long Island

POSTED: | BY: James Consiglio

Promises Kept

My dog had a horrible accident which resulted in a very significant expense. I was extremely pleased when Pets Best did EXACTLY what they promised with our contract. The premiums are very reasonable so I know the cost they had to absorb to uphold their end of the deal was large, far larger than many many years of premium! Their claim process was very easy, they did not request anything additional and they sent a payment check very fast. It's a pleasant surprise when you find a company that does what they say they will do. I am very happy with Pets Best and will recommend them to everyone "
1

out of 5

POSTED: | BY: Jason Hoffman

Terrible customer support

I literally just want to log in, but the website directs me to authorize my login by clicking a link an an email it sends me. No issue, except that the link takes me to a page that says the link is expired or invalid - every time, regardless if I click it immediately. So I will choose customer support chat bot then. But the chat bot ends up just saying that due to high volume, the chat bot is not available, and to call the phone number. I've called the phone number and I am on hold with an estimated wait time of 45 minutes. I remember last time I needed something from Pets Best something similar happened and I was on the phone for over an hour. The technology and service for Pets Best is terrible!!! I get a discount through my work insurance but I do not know if it is worth it. Is this a real company or an entrepreneur that completely failed at scaling the tech and service operations and it is now completely bombing ? I just googled it and people posted on reddit about this 2 months ago and it's still not fixed. Definitely changing my provider next open enrollment...
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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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