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: Miriam

Big disappointment

I read a lot of good things about this insurance so I decided to get it for my pup. I sent them the claim 15 days ago, today I got email that there is a delay and can take up to 42 days. I insure my dogs my whole life and never ever I waited 42 days for the claim to be processed. So, idk if I would rate it as # 1 insurance company. I’m very disappointed.
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2

out of 5

POSTED: | BY: Benjamin Williams

It just seems impossible to get your…

It just seems impossible to get your monies worth out of this service.
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5

out of 5

POSTED: | BY: Robert Beacham

Excellent Value with Multiple Options for Levels of Coverage

Excellent value with deductibles and co-pays that YOU determine at the time of enrollment. I've had this insurance for over two years now, and while the payments under my "wellness" policy rarely cover the charges of New York City vets, I have always appreciated their detailed, comprehensive explanations of benefits. Filing a claim is extremely simple, basically requiring an email of the vet bill and proof of payment. These are immediately acknowledged, and although at the beginning the claims processing was longer than I would have expected, my more recent claims have been handled much faster. Once approved, payments are made by direct deposit. I've never had any surprises, never felt that my policy was less than accurately described, never been disappointed with the company's service. I will continue to rely upon Pet's Best for the duration of my 2 year old rescue's (hopefully) healthy life.
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1

out of 5

POSTED: | BY: Jenaro Morales

Don’t Waste Your Money

Don’t waste your time or money with this scam that calls itself pet insurance. I filed my first claim and had to wait over a month to get it approved, and when all the dust settled on my $474 claim, they agreed to pay $120, and I’m still waiting for the money. Do yourself a favor and find a reputable company, or better yet, put that money into a savings account and self-insure. These ppl are scammers!
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3

out of 5

POSTED: | BY: Brianna Thimm

Its ok so far

My second claim was processed very quickly. For some reason my first claim is delayed and still processing. Unsure why.
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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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