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.
3

out of 5

POSTED: | BY: SHERI NAMOVICZ

The recent claim process was an appeal…

The recent claim process was an appeal for total nonpayment of a prior claim I had filed. The entire process has been incredibly frustrating, mostly due to bad communication. The habit of sending out boiler plate emails and not having ANY means of emailing someone about the claim is not good practice in this day and age. I work two jobs. It took several calls to finally get someone to escalate this matter. I was finally reimbursed after a review of the claim, which I am happy about but all this aggravation could have been avoided. I was never even given and explanation about what happened. I pay my premiums on time but I have to wait an extra month for the reimbursement. Response to Pets Best: You have my phone number. Have a supervisor call me.
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1

out of 5

POSTED: | BY: Rosetty Ovalle

I’m very disappointed over all with…

I’m very disappointed over all with pets best insurance, I don’t recommend them!!!
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1

out of 5

POSTED: | BY: Deb M

Lack Of claims pymt…

Have spent thousands of $$$ in premiums which on always charged against my bank account on a very timely basis. But I finally submit a bit larger claim and it is going on 2 months now with no claims reimbursement. I will never get back the money I have paid in over the years in premiums back and have only submitted 2 claims in last few years. Please expedite.
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1

out of 5

POSTED: | BY: Cindy R.

Not a great experience overall

Claims take a long time to process. The EOB is unclear and confusing. It should be clearly outlined what will be refunded and show amounts paid toward the total deductible. I do not find the value in carrying this coverage for my pet since the deductible seems to be super high. I will not renew after this year.
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2

out of 5

POSTED: | BY: Consumer

Don’t do it.

This is my first time getting pet insurance. I have an almost 11 year old dog and a puppy. I thought the well visit coverage would help with puppy vet bill costs but it’s completely NOT worth it. What you have to figure out yourself is that everything is capped and the total amount they will cover isn’t anything compared to what you think the cost would be because you don’t know how much puppy visits will cost. It’s a sham.
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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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