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: Wendy Belcher

I send in all what my vet gives me

I send in all what my vet gives me. I have had to call claims 4or 5 times received no money from the start of my policy 7/1/2023. I finally receive 2 checks in Dec..now I am told the need something else before they can finish a claim. I spent $20.00 faxing you everything I have.
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1

out of 5

POSTED: | BY: Pebbles R

I don’t feel the claims are thoroughly reviewed and researched before determining denials …

I don’t feel the claims are thoroughly investigated! It’s amazing how when there is no reimbursement the claims happen quickly! However when there is a more complicated scenario it takes longer to even begin the claim process. They ask when we submit the info to further elaborate but then that information is NEVER read!!!! I explained my dog had a collision with my other one and knocked her front tooth loose. I was concerned so I wanted it removed right away. In addition my dog from 1-2 years ago had another tooth that was fractured but due to financial hardships didn’t have the funds to have immediately extracted. The vet understood and said unless she has complications it can remain. We were planning on doing this in 2024 but when she collided with our other dog we decided to gave both teeth extracted at once. Well the claims was denied bc they ASSUMED it was periodontal disease which she never had. They were were fractured one from excessive chewing on something she shouldn’t have gotten and another bc of a face on collision with our other dog who is bigger while they were playing. This has happened more than once and it’s extremely infuriating when you pay high premiums. Already over 4 wks and will need to wait longer on a $700 claim.
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5

out of 5

POSTED: | BY: Andrew Wall

Pets Best is amazing!

Pets Best is amazing! Having this insurance gives my wife and me so much comfort in making the right medical decisions for our dog, without having to stress about the financial portion of things. This company was recommended to us by friends of ours and we recommend them to every pet lover we know!
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5

out of 5

POSTED: | BY: Moira Mora

Best Insurance

Have always helped take care of my dog, their prices are reasonable and I’ve had two separate claims that they have dealt with!
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5

out of 5

POSTED: | BY: Allison & Levi

Worth every penny!

User friendly online portal, quick, clear communications, reasonable premiums.
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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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