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.
5

out of 5

POSTED: | BY: Elizabeth

Claims and Cost

I was very skeptical about buying pet insurance but went for it when I rescued my dog. She was approx 1 year at the time of rescue and discovered quickly she had severe anxiety issues. She is also a very energetic dog, loves to run and play. She has required surgery on both hind legs to repair cruciate ligament tears (human version is ACL). I had purchased the injury/illness policy with a $500 deductible and 90% coverage (thankfully!!) She needs daily anxiety medications as well as monthly injections to help keep her joints healthy. Each surgery was close to $10k. Both surgery's and all her prescription medications are covered at 90% without question. I can honestly say, this was the best pet related decision I have ever made. The policy prices are reasonable and I have never had any claim questioned or denied. I don't find the general coverage policy worth the money, if you're really diligent about submitting the claims it might wash out at the end of the year but the injury/illness policy is a must have in your back pocket!
5

out of 5

POSTED: | BY: Marsha Brannon

Very prompt in replying to all phases…

Very prompt in replying to all phases of the claim process and responsive to any inquiries I have had regarding my claim. I am very pleased with Pest Best. This is the first time I've had pet insurance and wasn't sure what to expect. Pets Best came highly recommended from my vet office, who I highly respect, and it's been a delightful stress free experience.
5

out of 5

POSTED: | BY: Gini Crawford

Quick service

My first time to use and it was very easy with reimbursement in 2 days.
5

out of 5

POSTED: | BY: DONNA BERLINER-PINER

Greatest Customer Service and…

Greatest Customer Service and Satisfaction ever. Total professional treatment of my fur baby and me. Will highly recommend you to all my friends and family 😀❤️🙏
5

out of 5

POSTED: | BY: Lauren Rogus

Fair reimbursement terms and premiums

Fair reimbursement terms, competitive premiums, and thorough coverage provided. If I have another pet, I will use Pets Best again. Having this insurance has given me the peace of mind that I am able to do the best thing for the health of my cat.

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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