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.
4

out of 5

POSTED: | BY: J Calton

Glad we chose them

They cover a lot. The process to submit a claim is very easy. We adopted a puppy and in the past we have had crazy things happen with our dogs, so we decided this time, we're investing in insurance. The deducible and copay is so reasonable and the monthly fee is very affordable. Our pup is not quite 2 and he has already torn both his ACLs, so we are very grateful we got it. We reviewed a lot of companies and Pets Best was so easy to understand. The benefits were explained well and it's connected to our auto insurance which is just another convienece. So far we feel very good about choosing them. The only reason it's not 5 stars is because sometimes the review and approval takes much longer than I expected. According to my friends with other companies, their wait time is significantly shorter. The first few claims took over a month. We have had a couple come back very quickly. I'm sure it depends on how many claims they have coming in but, based on everything I'd heard and read, I expected closer to 1-2 weeks for responses. I still recommend them because they do cover so much and are so easy to work with.
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2

out of 5

POSTED: | BY: TSY

Jury is out on Pets Best

Jury is out on Pets Best. We met the deductible, but most of the expenses we’ve incurred since then have been disallowed. For example, the puppy got an intestinal parasite, but the medication to treat it wasn’t covered. This policy has not been helpful in mitigating the expenses associated with minor illnesses. Can’t speak to major incidents—we’ve been fortunate so far.
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5

out of 5

POSTED: | BY: Bonnie Popp

A great pet insurance company!

I've been with Pets Best since my GSD was 8 months old. She is approaching her 11th birthday and PB has been nothing but stellar. She was very healthy for 7 years until she developed major allergy/bacterial skin issues. Pets Best has come through every time. A 10 out of 10!
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5

out of 5

POSTED: | BY: valeria escobar

This company cares for customers

This company cares for customers. The only issue I have is that sometimes it takes 3-4 weeks to get a reimbursement and I don’t think that’s okay, but in general I love this company!
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3

out of 5

POSTED: | BY: Kevin Zackman

What changed in May/June 2023?

We have had Pets Best Insurance for most of our dog’s life. 5-star company with professional interactions and zero complaints. However, something changed in late May / early June of 2023. This was the first time I’ve had to wait for an answer (not reimbursement), on a submitted claim, for almost a month. I called customer service to make sure it wasn’t a mistake on my end, and I received this response “I see that you have had minimal time delays in prior claims. Do you understand that it could be between 14 to 40 days for a claim to process?” Am I the only one that did not know this? 5 Stars dropped to 3 Stars.
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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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