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: L. W.

Very friendly and personable despite…

Very friendly and personable despite dealing with frustrating bills and waiting period
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3

out of 5

POSTED: | BY: customer

Sufficient, but can find better.

Since having PetsBest from 2021 to present, my experience has been sufficient. My premium has gone up from $60ish to $80. They've had to review at least 2-3 claims because a representative coded my items wrong, thus making me wait longer to receive funds. Additionally, a few meds my pup has been on are not covered-- which does not make sense as there are DIRECT meds to cure illnesses. Most meds are more costly due to his weight, so it defeats the purpose of having insurance at times. Customer service has been fine and are always accessible. I will more than likely switch over once I find a company that better suits my pups needs.
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2

out of 5

POSTED: | BY: Tracy Sharpe

Claims take FOREVER to process..

I submitted a number of requests on 3/6/23. Just last week, I received notice that part of one claim was paid.. just the vaccines my dog received on a wellness visit where a bladder infection was discovered. The cost around diagnosing and treating the infection, plus a follow up visit, are STILL pending. I was told they needed my vet records, which they received weeks ago. My records only go back to age 7 however, as my dog was adopted at that age, so perhaps they are using that as an excuse? I'm really not sure. I gave two stars because the claims are easy to submit, but as of today I've received a total of $85 of $558 spent w/ a $250 deductible. I'm shelling out $178 a month to fully insure 2 dogs. I can't say it's been worth it and am considering cancelling and going with another carrier.
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5

out of 5

POSTED: | BY: Elisa

Easy sign up process and it was easy…

Easy sign up process and it was easy and super convenient to use the app to file a claim!
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5

out of 5

POSTED: | BY: Pamela Wolfcale-Leonard

Greatest people to deal with

Absolutely the greatest people to deal with. Every single time I’ve spoken to them they were extremely friendly and so helpful. I would recommend them a million times over!!
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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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