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: Andrew Thomson

Great service, happy customer!

Great service, exceeded expectations. I expected a hassle but received no pushback after the thorough review of my pet's records. Everything was checked and then approved as it should have been. Very happy to be a customer.
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1

out of 5

POSTED: | BY: Jennifer Smith

This company is a complete scam

This company is a complete scam. Months and months of waiting and repeating a claim process over a simple ear infection for $240. They have made me jump through hoops and still will not complete the claim. List of excuses: The invoice can't be hand written, I have it redone, it doesn't have the proper "wording". We need all vet records from the time the pet was born, from every single place they've ever been! My pup is barely a year old. Oh, now we have to start a new claim because you gave us a new invoice. I Start a new claim. Now we don't have a valid address on file for you, we can't mail you anything, please update. It's all in my app and on my invoice! Then, all of the sudden all of the medical info from before they don't have. Now they want full life history again. They've looked for every excuse not to process my claim. My dog has never been ill, never had a reason to go into the vet other than her vaccines. This company is impossible. Not worth the hassle. Especially if you have a major issue and really need your funds back in a timely manner. Don't waste your time here.
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3

out of 5

POSTED: | BY: Dorothea

Super slow but covers a lot

I do like that they cover everything I had a $2,000 claim and they covered almost all of it. The issue is that they take an insane amount of time to process. My claim took 41 days and it was a battle of me calling almost everyday. The people in the phone are nice but whoever is processing the claim takes too long. The claims time is way too long and after they read your review the respond with the generic “Claims are processed in the order they’re received. Claims take an average of 15 days to be completed. However, more complex cases take up to 42 days currently. We apologize for any inconvenience this may cause and thank you for your patience…” which just shows they don’t care. Also the app crashes a lot and isn’t great. Overall the cover a lot if you get the right policy but it will take forever to actually get your money back.
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5

out of 5

POSTED: | BY: Najah Patterson

Best purchased I've made in the last…

Best purchased I've made in the last couple of years. Easy to file a claim. No hassle receiving reimbursements.
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5

out of 5

POSTED: | BY: Robert Kick

Excellent company

Excellent company. If you don't have pet insurance you should!
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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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