Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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

VETERINARIAN: Ephrata Veterinarian

POSTED: | BY: SHERRY JOHNSON

Farmers Insurance Agent - Pets Best Review

I have been very dissatisfied with Pets Best Pet Health Insurance Co. Their Customer Service is sorley lacking. Their Claims Dept. is a joke! Everyone, be aware, upfront, Twelve months veterinarian history is required with every Claim! Even if you have not had the pet for twelve months, does not matter. Doing business in a fair and transparant way should be provided. Not with this company. This is critical criteria, and should be stated in the quoting information, BEFORE someone pays for a policy. I have two Claims, for two pets that needed similar surgery. Coco's Claim was finally paid out... Max's Claim has been repeatedly denied, stating the "not a covered procedure", even though Pets Best paid out Coco's Claim for very similar surgery!! A mass had to be removed from Coco's hip, and a mass had to be removed from Max's side. How can one be covered and not the other? I would be very cautious in my recommendation!!
5

out of 5

POSTED: | BY: Joo

Prompt turnaround time and easy to use app.

I recently submitted couple claims for my dog's exam for her ACL xray. It took about couple weeks to complete the processing but they let me know where they are with the process. It was very easy to submit the claim(all I did was to fill in the blanks and uploaded the invoice I got from the vet). I am waiting for the reimbursement to get deposited now but so far, the process had been very smooth and easy. No questions asked, no hassle.
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1

out of 5

POSTED: | BY: Driftinmydream

did not cover everything took too long…

did not cover everything took too long to process everything
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5

out of 5

POSTED: | BY: Zaire Parmely

Claim was excepted and handled in one…

Claim was excepted and handled in one weeks time amazing.
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5

out of 5

POSTED: | BY: Johanna Muench

Pets Best helps us give our older adoptee Spud all the care he needs!

We adopted an older dog at the beginning of the pandemic, Spud was surrendered as his owner was going to assisted living. He was obese, wheezed, could barely walk without stopping and huffing & puffing. We knew he was so well loved in his former home, but he needed help if he was going to have a great rest of his life with us. We found he had untreated heart issues, and we were so thankful that this was covered under his Pets Best insurance! Pets Best has helped us give Spud the best healthcare and medication he needs to act young again. We could not have given him this quality of life without the assistance of Pets Best. With a strict diet, exercise, and getting his health concerns under control, he is now running around, confident, and content.
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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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