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: Ann Bottorff

I'm very impresesed

I'm very impresesed. The levels of insurance you can sign up for are very clearly delineated. The Website & App are super easy to use. I submitted my first claim and it was as easy as taking a photo with my phone. I was impressed with the Explanation of Benefits (EOB) once my claim was submitted. It clearly stated what/how much was covered. I would highly recommend.
5

out of 5

POSTED: | BY: Meghan Moriarty

Highly Recommend Pets Best

My dog was diagnosed with cancer and Pets Best allowed my dog to get the best treatment and care throughout his battle. I never had any issues submitting claims and there were never any struggles to get anything covered or any surprises on the EOB. It really had great coverage, especially when factoring in the cost, when I was researching which pet insurance I wanted to get. I called customer support once because I clicked the wrong thing when submitting a claim and the agent was so kind and reassuring. I've seen some reviews saying it took a long time to get the refund or EOB. There were several claims (not all) that took a few weeks to process, but fortunately I'm in a financial situation where that was not a big problem for me. I'm truly grateful for Pets Best and highly recommend it.
1

out of 5

POSTED: | BY: Mark Ilnicki

Over a month to process 1 claim with…

Over a month to process 1 claim with constant apology emails. Will be canceling my policy I advise to stay far away much better pet insurance choices out there.
5

out of 5

POSTED: | BY: Robert

Dependable

We have come to depend on Pets Best to respond and settle all claims in a timely manner and with constructive assistance. They are very thorough in their reviews of claims.
3

out of 5

POSTED: | BY: Lisa Torres

I’m disappointed that the reimbursement…

I’m disappointed that the reimbursement was as little as it was after we paid extra for allergies and the claim took a very long time.

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 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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