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

POSTED: | BY: Avia Montoya

Pets best is very good pet insurance

Pets best pet insurance always processes claims for my pets promptly. And rates are reasonable.
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5

out of 5

POSTED: | BY: Teresa

Very Happy with Pets Best

Very Happy with Pets Best! We have a New Puppy and we took out insurance straight away on our Large Breed Dog. Our first puppy visit to the veterinarian was $242.00 and within a week of submission of our paid bill ( same day) we received the reimbursement within 5 days via direct deposit of $185.00 . Not bad at all. Super Pleased!
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5

out of 5

POSTED: | BY: Kevin Kuebert

PetsBest Insurance - A Wise Choice for Pet Owners

I am pleased to share my positive experience with PetsBest Insurance. Over the years that I have been a customer, they have consistently provided excellent service and support when I needed it. I have found their prices to be very reasonable and competitive compared to other pet insurance providers I have researched. Furthermore, submitting claims is a straightforward process and they have been prompt in responding to my claims. My furry friend has just turned 5 years old, and I feel confident that we have made a wise decision by choosing PetsBest as our pet insurance provider. I would recommend them as a great pet insurance company.
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1

out of 5

POSTED: | BY: Kathryn Jordan

Have to jump through hoops to get claims paid

Processing this claim took 3 attempts and 4 months. 2 denials due to our vet not providing the requested information, however they provided us with the confirmation from the fax they sent. I had to physically go to the vet, have them print all the records, then screenshot all pages and submit on the site to get positive results. If I hadn’t persevered, this would have never been possible. I’m sure many people would just give up, but I pay over $100 a month to cover our fur babies… and it honestly shouldn’t be this difficult, I mean there is no way to talk to a person, and email responses are canned responses that are 0% helpful. Why is it necessary to supply all records (from the pets 1st visit to current) for every single claim?? Why can’t Pets Best just request the newest records, since they have had the previous records already submitted in the past? Not user friendly in any way shape or form!
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2

out of 5

POSTED: | BY: KRISTINA

Their mistake but I am paying for it

Their mistake but I am paying for it. I submitted a claim for a visit. In that visit I also paid for medication for a pre-existing condition unrelated to the visit. I even noted on the claim the medication was not included in the claim as I knew it was not covered. The claim was denied in error for preexisting. The representatives admitted the mistake and yet the claim was still denied. I have since had to appeal the claim and it is still Not paid since 01/30/23 even though three separate representatives stated that I was correct and made the proper notation and my claim was to be covered excluding the medication.
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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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