Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,625

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: Michael

Do not go with Pets Best Raised Policy over 40% in one year

I would never recommend Pets Best to anybody who cares about their fur baby. They are slow with claims and on top of that, raised my policy by 42.15% and would not explain to me why or provide me with a breakdown. Make sure you do your homework on these companies because they trap you after the first one.
5

out of 5

POSTED: | BY: Doreen Wilson

Great process!

Great process! Efficient, thorough, quick
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1

out of 5

POSTED: | BY: Andrew

Pets Best never pays

After several years of having a policy, this company never paid one claim. Their excuse was always “contacted veterinarian for more information.” According to the vet they never contacted them, and they never paid a claim. Total waste of money.
5

out of 5

POSTED: | BY: Charles Ridley

I recently filed a claim with Pets Bets…

I recently filed a claim with Pets Bets Insurance and was thoroughly impressed. Here’s why: 1. Submitting my claim was a breeze. Their online portal is user-friendly, with clear instructions and a straightforward form. 2. I received my reimbursement within just 10 days, which was faster than expected and extremely convenient. 3. The customer service team was responsive and helpful. They quickly addressed my questions via phone and email, providing knowledgeable and empathetic support. 4. My policy covered a wide range of treatments, from routine check-ups to emergencies, providing peace of mind during a stressful time. 5. Pets Bets Insurance was upfront about coverage and exclusions, keeping me informed throughout the process with no hidden surprises.
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1

out of 5

POSTED: | BY: Irena Fajardo

Chronically late reimbursements

It never fails to miss but I don't get my EOB for at least one month after I submitted my claim. I called customer service to check on status and was told the amount doesn't matter, but that they have up to 45 days to process th claim. No "I'm sorry for your negative experience," but nonchalantly reiterated the 45 day they had to complete th claim.
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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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