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.
5

out of 5

VETERINARIAN: Pet Stop

POSTED: | BY: Tsali Janek

Pets Best is Truly the Best!

Super easy from the start to my first claim being processed. They have a great online App that I loaded onto my phone that allowed me to see any updates on my claim, policy information, and much more. When I filed my first claim, I received an email right away telling me it was in review. Then I received another when they reached out to my vet for my pup's records, and finally when my claim was accepted and processed. All in all, it took about 6 weeks. I assume it took a bit longer since it was my first claim, so I imagine the next one will be even quicker. What a piece of mind to know my fur baby is in good hands. I will definitely recommend Pets Best to anyone with a fur baby of their own.
5

out of 5

POSTED: | BY: Taylor Cutshaw

Amazing care!

When working with insurance is can always be stressful especially with a sick pup. Pets best made the claim process to easy. Once my claim was approved i was paid directly into my bank about within 5 days. the whole process took no longer than a month. I can not express how stress less the process was. I highly recommend using pets best!
5

out of 5

POSTED: | BY: TCG

Filing the claim was easy

Filing the claim was easy; the review and Explanation of Benefits came quickly.
5

out of 5

POSTED: | BY: Tina

Claims process was very easy and quick

Claims process was very easy and quick. Very satisfied
1

out of 5

POSTED: | BY: teachermom.1

Agent couldn’t answer my question about…

Agent couldn’t answer my question about a claim from mid-March that hasn’t been paid (yet a claim from 4/14 has been paid). When I asked further questions, I was told claims can take “up to 43 days.” This claim is for an allergy shot our dog has had every 5-6 weeks for the last 5 years, so I am not sure why this is so difficult.

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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