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

POSTED: | BY: Alex

The worst insurance company I’ve ever…

The worst insurance company I’ve ever dealt with. I was with them for over a year and they were fine when taking the money out of my account every month, however after 9 months of paying I submitted my first invoice. It took almost 2 months for them to finally get back to me, probably thinking I was going to forget. After calling them a couple of times, they finally replied and denied my refund claiming check ups are not covered. Later, I submitted another invoice and that was rejected again after 2 months of waiting. How could my claims keep getting rejected when I had full coverage? I was paying almost $70 per month for the highest coverage (wellness and illness), why was I denied a small refund by saying I don’t have that covered? This is a complete scam. When I canceled my policy with them, the lady asked me the reason. After I explained to her, she agreed with me. Without saying much, she said “Yes, I understand”. I would honestly go with a different company.
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5

out of 5

POSTED: | BY: Karin Zuber

Good pet insurance

Works well for my pet. I can go to any vet or facility. They are fair with their reimbursement and the app is quite good.
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5

out of 5

POSTED: | BY: Oxana Suvorova

The Good Pet Insurance Company

I'm glad I've chosen this insurance company for my 13 years old cat. He's healthy but I decided to have insurance for him. The policy was not expensive. We've had preventive surgery to check a small tumor if it's benign or not. Luckily it wasn't! And this insurance company works well, as I expected. I'm pleased I chose Pets Best.
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5

out of 5

POSTED: | BY: E Nathan

Just had first vet visit with new…

Just had first vet visit with new puppy. Received a prompt insurance payment from Pets Best.
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5

out of 5

POSTED: | BY: Kristen

I have been using them for years

I have been using them for years. No problems and my dog's conditions were always covered.
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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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