Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,948

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: Elizabeth S

Easy Processing

It’s never a fun experience when a member of your fur family gets sick or injured. So when worrying and caring for your pet the last thing you want is a complicated insurance process. Luckily Pets Best has an easy claim process. Within 5 minutes I was able to submit my claim through their app, attaching a picture of the detailed invoice and they did the rest. And you can check the status of the claim thru the app. One note is that it did take about a month to get reimbursed; however I did receive a couple emails throughout apologizing for the delay. However, once it was processed I received an email with the explanation of benefits and a few days later the money was in my account.
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3

out of 5

POSTED: | BY: Walter Winter

2 Pets…Same Service…Only 1 gets paid.

I’ve forwarded my claim for both of my pets for the same service. One is receiving a partial payment and not the other. I don’t understand.
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5

out of 5

POSTED: | BY: Patricia Collier

Lab Mix Toby

My Lab mix developed an unusual and, they say, somewhat rare, cyst under one of his eyes. It required specialist visits, CT Scans and eventually a trip to the Auburn AL oncology department for surgery. He is well now and thanks to pets best I did not have to be concerned about the cost to take the best care of my sweet boy. They have paid per my policy everything without a moment of hesitation. and, each time I spoke with someone about the treatment or the claims submitted I had someone knowledgeable, kind and helpful. I had nothing but similar experiences with my other lab mix Gracie, a broken tooth required dental work which again was paid for without question. I'm not much of one to carry a lot of insurance coverage but I'm so glad I've done this for myself and my pups. And couldn't be happier with Pets Best.
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5

out of 5

POSTED: | BY: CJ

Straight forward & friendly

They offer a clear outline of benefits, good customer service when needed, and they deliver on what is promised. I've had a claim take up to 4 weeks to be processed but that's to be expected.
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5

out of 5

POSTED: | BY: SD

Easy to work with

We’ve been with Pets Best for 3 years and had to file claims for the first time this year. My 13 year old doodle had two surgeries and then five months later he crossed the rainbow bridge. It was the easiest experience to file the claim and we were reimbursed quickly. When we filed for euthanasia, they automatically updated my policy to remove my dog. Highly recommend and we’ll continue using them for our second dog.
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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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