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.
5

out of 5

POSTED: | BY: Debra Chenault

Emergency Surgery Claim Process

I’ve had various pet insurances over the years and Pets Best has been the easiest to deal with. After my 1 year old kitten got into a bag of hair ties and ate 20 of them (yes, 20), she need emergency surgery. The claim process was the smoothest I’ve ever experienced and amazingly quick!
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2

out of 5

POSTED: | BY: Amber Guzman

Don’t hold your breath for reimbursement, it takes forever

Takes forever to get some of your money back. Why isn’t pet insurance like human insurance. Bill through them first then bill us. I don’t understand that. My dog needs medication and it takes them a month to reimburse, by that time I’m already paying again. I also have the best wellness plan, but don’t need things like a microchip so it’s kinda a waste.
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1

out of 5

POSTED: | BY: Evan West

Absolutely terrible experience working…

Absolutely terrible experience working with PetsBest. They will actively sabotage your pet's essential care by justifying everything they can as a pre-existing condition. Their customer service is rude and apathetic. Your monthly bill is not worth its weight in dog water. And in anticipation of PetsBest's boilerplate response: no you are not sorry, and I will not be having a great rest of my day thanks to the financial and emotional toll your unethical and terrible "service" has taken on our dog and our family.
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5

out of 5

POSTED: | BY: Heather Guerriero Dans

Very satisfied with the review process…

Very satisfied with the review process for my cat who needed nasal surgery. I feel they value my pet and my decision to move forward with surgery to improve her quality of life.
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2

out of 5

POSTED: | BY: Wilmer Palma Soto

I called to discuss a $40.00 claim for…

I called to discuss a $40.00 claim for flea and tick treatment. I pay the top notch insurance including best benefit plan and best wellness separately to cover this things. Apparently they refuse to pay $40 dollars which the plan covers $65. Because my veterinarian advice me that if I did not wanted chewing flea treatment to order online topical Frontline. So disappointed, when I told the agent how do I cancel my policy, she told me you can cancel at anytime as if they do not care to loose a loyal customer. So as of right now I am contemplating canceling my dog’s policy. I have been so happy with PetsBest up until now.
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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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