Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,679

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: Adam Goguen

If I could leave a 0 star I would

If I could leave a 0 star I would. I was a customer for 2+ years. I got the insurance as soon as I got my dog and had no issues for 2 years. They then canceled his policy without notice and my dog was hit by a car and all they could say to me was “sorry nothing we do can change this” they offered me no options to resolve the previous issues on the policy and now his rates have doubled due to his age. This company does not care about their customers or making sure they’re taken care of.
2

out of 5

POSTED: | BY: Julia

I don’t recommend PetsBest

I wouldn’t recommend PetsBest. I changed my name and submitted the required documentation to update my name on my account buy it took six months for them to take care of it. A couple of months later my puppy got sick and I submitted a claim which PetsBest took 28 days to process and I’m still waiting for payment. I should have gone with the pet insurance company my friend recommended, Healthy Paws, instead of PetsBest. My friend’s claims get processed within a week along with payment.
5

out of 5

POSTED: | BY: April Harter

Insurance for our cat

After an emergency trip to the vet and a lot of out of pocket expenses we decided to get insurance for our cat. I took her for shots and a well visit and her wellness plan covered most of our cost. So far I'm very happy with her insurance plan
5

out of 5

POSTED: | BY: TWEEDERS2011

The absolute best pet insurance

The absolute best pet insurance! Very good coverage at a good price! It is super easy to submit a claim and they are just a phone call away if you have any questions or concerns. Love Pets Best!
4

out of 5

POSTED: | BY: Brandon Michael

Slow processing but otherwise good

Overall, I am happy with the decisions made on my claims. I've also had a good experience with customer service agents. However, I do find that PetsBest takes a really long time to process claims — much longer than any of the other three pet insurance companies I have had. If things could be sped up so decisions are made within 1-2 weeks (versus 3+) that would be much more reasonable.

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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