Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,152

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: Galcath

Pets Best delays paying claims

Pets Best is always very slow to review claims when they owe me money. When I haven't met my deductible they are nice and prompt. If I had it to do over (and I will with future pets) I would NEVER buy insurance from this sham company. *edited to respond to Pets Best's ridiculous response: There is nothing "complicated" about a thyroid test! Whenever you owe me a reimbursement it takes a long time. Until I've met my deductible you are fast. It's your pattern.
5

out of 5

POSTED: | BY: Susan Billing

Great experience with Pets Best

The app is super easy to use to submit a claim! Very clear directions and steps to follow. Love how easy it is to take a photo of paperwork that is needed. Very prompt on reimbursement and if there is a delay an email is sent letting us know that you are still working on our claim. This is so appreciated because as a customer it helps us know that you have not forgotten our claim and the company knows we’re still waiting on it. It’s a really nice courtesy. Thank you, so far a great experience with Pets Best!
5

out of 5

POSTED: | BY: LUCIA MAGNOLE

Website is easy to do

Website is easy to do. And they communicate with me.
2

out of 5

POSTED: | BY: Stacy Apitz

It says the coverage for wellness is…

It says the coverage for wellness is 100% when signing up but so far has been closer to 50% for our submitted wellness claims.
5

out of 5

POSTED: | BY: Sydney Benfer

Quick easy reimbursement through…

Quick easy reimbursement through claims, awesome customer service and helpful advice on the pet helpline, super affordable compared to other companies. So happy with my pup’s health insurance and it’s great peace of mind to know she’s covered if we have an emergency and for general wellness visits.

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