Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,945

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: Dawn Vail

Canceling both of my policies.

Sunny is the rep I spoke with regarding my claims. One dogs was approved and the otherwise still pending. Claims were submitted on 11/29/23, one says its was paid on December 6, but bank has still not received it, and the other although the same Wellness claim as the first still has not even been approved. When I questioned Sunny regarding this I was told it is not our problem if the bank doesn't process the direct deposit. It is no almost 2 weeks, and that's the attitude I get. I would like to can El both policy's, I will be moving to another carrier. Phone call was 12/9/23. I am not going to spend over 100 a month to be treated like that.
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2

out of 5

POSTED: | BY: Robin Bell White

I signed up for this insurance for a rescue dog that has since gone to a new home.

I signed up for this insurance for a rescue dog that has since gone to a good home. I used it to get him neutered, vaccinated, and microchipped. It's been almost 2 weeks and I have yet to see my reimbursement. The wellness plan is paying for less than 50% of what I spent plus the $97 a month for 2 months while I had this dog. In this case definitely not worth it. If I had a long-term pet it may be more useful.
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5

out of 5

POSTED: | BY: Sarah Smith

Peace of mind during a really challenging time

Over the last four months both of my dogs have gone through some horrible luck landing both of them in the ER and hospitalized several times for different conditions. Pets Best has been a lifesaver knowing that I can rely on the reimbursement of all of these claims. Most claims are reimbursed quite timely, but all have eventually been resolved and have a clear explanation of benefits. The phone support has also been helpful when there was some questions about claims.
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5

out of 5

POSTED: | BY: Melanie Luce

I honestly can’t say enough great…

I honestly can’t say enough great things about Pets Best! Getting pet insurance for our pup has definitely been a great decision for us. I wish they coved rx food, but other than that we have been extremely happy!
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2

out of 5

POSTED: | BY: Unhappy

Very disappointed

The review process took much longer than promised. Ultimately, I was turned down for any reimbursement for various reasons. At the same time, I just received a renewal notice with a 30% increase in premiums. Very disappointed with insurance coverage right now. Will most likely shop around at this point in time.
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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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