Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Alex

Fair Claim Processing

Whenever I submit a claim, I know that it will be processed fairly and I won’t have to push back on the outcome. Our dog just had to undergo a fairly expensive surgery after he ingested a foreign object, and it’s really comforting that we can be confident insurance will cover what we expect it to.
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2

out of 5

POSTED: | BY: Peter Katula

Clam processing taking much longer

I have had good experiences with this insurance company up until now. My dog recently had an intestinal blockage that needed surgery to remove. It’s coming up on a month since I filed the claim and all I have gotten is a sorry for the delay letter. When you call, it’s like they are reading from a script, they just keep repeating it takes 15 to 45 days to process claims and more complex claims take more time. I take that to mean the more we have to pay out the more time it takes. They need to keep their clients better informed throughout the claim process of any delays and why they are happening. Very disappointing this time.
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3

out of 5

POSTED: | BY: Rebecca

Wellness issues

Pets best has good accident / illness insurance , but I wish the wellness was just one lump sum that you use with all services and not an individual amount for each service annually. I feel like o would get more for my money. I wish you had a kitten wellness option too.
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5

out of 5

POSTED: | BY: Pam Mills

great customer service

great customer service
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5

out of 5

POSTED: | BY: alan smith

Pets Best came through

I got my puppy's insurance about six weeks before an obstruction surgery that ended up costing around $8000. When I signed-up I opted for a high deductible ($1,000) , being terrified of a huge bill like the one I got. Two weeks before the incident I got an email from Pets Best that Tico, my pup, was now covered. Friends were skeptical that I would be covered having gotten the insurance within a few months of the incident. A few days ago I was immensely relieved to find out that PetsBest covered most of the bill, minus the deductible and a bunch of co-pays. They sent a detailed itemized bill explaining what was covered and what wasn't. They have other plans that would have coverd more of the costs but I can definitely say that I got the protection I was looking for and was treated professionally. They also have a fantastic app. I already sent an email to all my pet-owner friends recommending they get Pets Best pet insurance.
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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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