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: B

Worst Company to deal with - go elsewhere

We have been customers for over 7 years, and until about 5-6 months ago, we were happy with the company. It is my understanding they were recently bought out, and holy cow - night and day difference. The EXACT same claims that have been covered for over six years are now consistently being denied, with a different explanation for each denial - same documentation provided. My daughter, who I previously recommended to get Pets Best, has had to drop her policy for the exact same reason. Her dog was attacked by another dog, requiring emergency surgery. The claim was for SIGNIFICANTLY more than the $75 or so they finally were reimbursed for. Expect to wait 45 minutes to over an hour, or not at all if you try to call customer service. I am attempting to file complaints with any and all insurance regulatory commissions, but there appears to be very little regulatory oversight in pet insurance, which is a big concern given the great increase of these policies.
1

out of 5

POSTED: | BY: Laura Baumann

Absolutely the worst experience I've…

Absolutely the worst experience I've ever had with an insurance company. Submitted required information 3 times and no updates after almost 2 months of initial filing of claim. Hold times for customer service is 30-60 minutes every time I call for an update. Absolutely unacceptable.
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5

out of 5

POSTED: | BY: KCD

I had a friend suggest pet insurance a…

I had a friend suggest pet insurance a few years ago and decided to give it a try. My dog is healthy but we had an unexpected accident in October where he hurt his knee. Pets Best made the process easy and WAY less stressful. Pet insurance is a MUST, I will never go without it again!
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5

out of 5

POSTED: | BY: Gloria Quintal

I like what I received it just took…

I like what I received it just took longer than I thought it would to get the reimbursement.
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1

out of 5

POSTED: | BY: Emerson Dusic

Raised the price to almost double…

Raised the price to almost double without informing me first, didn’t cover the cost of a surgery resulting from an infection. I’m planning on cancelling.
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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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