Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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

VETERINARIAN: DeSoto Animal Clinic

POSTED: | BY: Dana Hiser

First trip to the vet was a success!

Took our new puppy to the vet for the first time. The shelter we got him from had already done the shots, microchipping and neutering so we just needed a wellness visit and some medical guidance now that he finished heartworm treatment. Not only was he the happiest pittie at the vet, but he got a clean bill of health. Later that night I submitted my claim and inly Two days later got my explanation of benefits. I understood all of it- they covered $66 of the $82 I spent, but what wasn't covered was easy to understand (vet's visit is more than what we get covered in our policy). I had no questions and within A few days the money was direct deposited in my account. I hope that I don't need to use it again but feel good knowing it is there if I need it.
5

out of 5

VETERINARIAN: Village Veterinary Hospital

POSTED: | BY: Ralph Ingerto

Pets Best Has A Fast and Efficient Claims/Reimbursement Process!

I purchased a 12 month supply of NextGuard for my little Yorkie and a week later I was reimbursed in full via a direct deposit into my checking account. Thank you for the fast, streamlined and simple claims filing and reimbursement process!"
5

out of 5

VETERINARIAN: Portland Veterinary Wellness Center

POSTED: | BY: Katy Holk

Best Financial Decision

I'm so thankful I got Pets Best insurance. My labradoodle puppy was totally healthy until about 14 months, when he started having seemingly unsolvable digestion issues. Because we had such good coverage, I could say yes to a full diagnostic workup from a specialist, which ended up incurring ~$10K in vet bills by the time his issue was diagnosed. Pets Best reimbursed us 90% for all the tests, meds, imaging, laparoscopy and anesthesia - everything the policy promised. Without it, Stanley would still be a very sick doggy and I wouldn't have professional guidance or tools to keep him at optimal health. Thanks to Pets Best for making claims easy to file, for clear, responsive communication, and most of all for paying for 90% of my dog's treatment costs.
2

out of 5

POSTED: | BY: Enn Deedown

Twenty one days since my dog's…

Twenty one days since my dog's emergency visit and they just emailed me to tell me they needed more medical info from my Vet. This is taking much longer than it should.
5

out of 5

POSTED: | BY: Lin Zhu

Quick turnaround and very detailed…

Quick turnaround and very detailed benefit explanation.

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 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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