Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,662

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: Julie Giorgi

Beware of small print

Extremely disappointed that this insurance will not cover required follow-up vaccinations for a puppy if administered by a tech vet. I just found this out and find it crazy that a Vet (at a higher cost) who administers the shots would be covered. I will be shopping other pet insurance companies to ensure this is not in the "small" print. Just ridiculous.
4

out of 5

POSTED: | BY: Leslie Quiñonez

Reliable but Not Timely

Pets Best has been my insurance for over 3 years now. I really like the ease of uploading claims/forms. I also like that there's an easily accessible app for your phone which saves your pet's information and veterinary information. But, their app is often down or not working and the claims take months or more to process. Also, there are a lot of medications or preventative supplements that are not covered and wellness items are limited every year. Additionally, their monthly costs do go up quite often and I can not switch companies since my dog is older and now has preexisting conditions. Overall, my experiences have been pleasant but there are a few things that could use minor improvements.
4

out of 5

POSTED: | BY: candis bartz

Easy to use website and very quick…

Easy to use website and very quick response with everything inclusive.
5

out of 5

POSTED: | BY: Vivian Rodriguez

I’ve always been happy with Pets Best

I’ve always been happy with Pets Best. They handle my claim with fast and speedy service. They also have exceptional customer service.
4

out of 5

POSTED: | BY: Warren Synecky

Everything went very smoothly

Everything went very smoothly. It was very easy to complete. I just wish it didn’t take so long to get the direct deposit.

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.

Get a quote today

Leave a review