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: robert Latta

I’m posting this as a warning

I’m posting this as a warning to other pet owners. My Pets Best policy premium increased from about $54 per month to $94 per month — roughly a 72% increase — at renewal. There were zero claims on the policy, no changes to coverage, and my dog is a 6-year-old Cane Corso. Pets Best stated that an email notification was sent and provided a date and subject line. However, after thoroughly searching my inbox, spam, and trash folders, I never received any email clearly disclosing this increase. They were unable to provide proof of delivery or receipt. Once I discovered the increase, I contacted customer service and cancelled the policy. Pets Best only refunded a prorated portion of the current month and refused to refund the increased premiums already charged, despite the lack of clear notice. I’m not disputing the company’s right to adjust rates. My issue is the lack of effective disclosure of a substantial premium increase and the refusal to make it right once identified. I strongly recommend that pet owners monitor renewal billing very closely and not rely on Pets Best to clearly notify them of major price changes.
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5

out of 5

VETERINARIAN: VCA SouthPaws Veterinary Specialists & Emergency Center

POSTED: | BY: Christopher

PetsBest Saved Harlow’s Life

Harlow was diagnosed with lymphoma and given four to six weeks to live. Without PetsBest we would not be able to afford chemotherapy. PetsBest saved Harlow’s life. Thank you!
5

out of 5

VETERINARIAN: Nassau Animal Hospital

POSTED: | BY: Andrea

Pets Best is the Best

So happy we found pets best! They are very reasonably priced and are fair when filling claims. We love having an on call vet as part of the plan.
5

out of 5

VETERINARIAN: APAW Veterinary Hospital & Wellness Center

POSTED: | BY: Desiré

Pets Best is The Best

"Your excellent customer service and expedient claims process is a built-in incentive to invest in my pets' health, knowing that a portion of the cost will be reimbursed. As you know, pet care can be expensive, but your insurance allowances encourages me to take the proactive steps that benefit the health of my fur-babies. Thank you so much for your support!"
4

out of 5

POSTED: | BY: Susan

Thank goodness for pets best insurance

My dog acted lethargic this summer. I was very concerned, got some test. We’re still confused about what to do turned out. It was cancer. We were able to get care early and thank God for Insurance so we could afford it.
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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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