Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Marie S.

Great coverage for my older dog and my young pup

Our family typically has three dogs. We're down to two right now, but I have learned over the years to ALWAYS have pet insurance. Recently we switched from another company (H.P.) to "Pets Best." I was concerned to switch because one of our dogs was 10 years old while the other was 1 year old and I was worried the cost would be exhorbitant for the older dog. But it wasn't, so we did switch. We've had this policy for about a year now, but never needed to submit anything. Well this month we finally had to submit a claim on our older dog. Our older Australian Shep (now 11) had to have his gallbladder removed. That is not a cheap surgery, but we would have done it even if we didn't have insurance. This particular dog is a therapy dog at assisted living facilities, so he is an important part of our local community. We did what it took to get him better. And get better he did! He is thriving now. So I finally submitted the claims that we had racked up and crossed my fingers to see if they would get paid. And to my utter astonishment, they DID!! We will get back about 80% of the monies we put in. All I can say is that I'm telling ALLLLLLL of my friends about Pets Best. Thank you! Thank you! Thank you! Marie, Dave, Jack and Teddy
5

out of 5

POSTED: | BY: Carolyn

Many Thanks

On my 21st I had to report to Pets Best that I had to take my baby girl Muffin (cat) to an emergency Pet center and she did not make it. I received promptly a card from them and they told me I could file a final Insurance claim. This I did but many final costs were not covered. I did receive some compensation which helped some and I thank Pet's Best for their support.
5

out of 5

POSTED: | BY: John

easy and fast claim process

The claim process and amount of time it took for a resolution was exceptional. I summited a claim and within 2 days it was approval and check mail out.
2

out of 5

POSTED: | BY: Roger Kasendorf

long delays in getting re-imbursed

long delays in getting re-imbursed. this is the same thing that happened with my last claim. This is a real issue that will likely make me switch companies when renewals com around
5

out of 5

POSTED: | BY: william martinez

Excellent customer service and having…

Excellent customer service and having people who really care about pets

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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