Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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.
2

out of 5

POSTED: | BY: Yvonne

Abysmally slow

My dog had an exam and xrays on Dec 27, 2022. I sent the paid invoice and a note telling Pets Best he needed surgery and it was scheduled. My dog had surgery on Jan 23, and I sent the paid invoice to PB on Jan 26. My vet sent the records to PB on Feb 6. I had heard nothing from PB a month later. I ended up calling 3 times trying to get results, and finally after my last call to them on March 14, I got an email on March 15 explaining what would be reimbursed. I still have not received the check, and have no idea how long that may take. I have 10 pets insured with them, and am rethinking this, because this degree of slow response is abysmal.
5

out of 5

POSTED: | BY: Starr Traynor

Pets best is the best!

Great customer service. I have been very happy with Pets Best insurance and will continue to use them for future pets.
5

out of 5

POSTED: | BY: Courtney James

This has been a lifesaver

This has been a lifesaver, financially. I adopted a rescue pup last June and researched different pet insurance companies extensively. This has the best options for my situation and had the best premiums and deductibles for this pup of mine who has been at the vet almost every month for everything from parasites to UTIs. I have been reimbursed for the services at 80% just as I signed up for. Sometimes the claims take a big longer for approval, but Pets Best always comes through.
5

out of 5

POSTED: | BY: Nancy

Communication is Awesome

Communication is Awesome. I had an issue with some claims from the Vet and it was explained and cleared up quickly
1

out of 5

POSTED: | BY: Kendall Oxendine

The claims process was atrocious

The claims process was atrocious. There are several public (i.e. Google) reviews stating the same. I submitted a claim on 5/31/2022. It was closed at least 3 times with the explanation medical records had not been submitted. I appealed each time and submitted records each time, along with my initial claim filing. It would take no less than 2-3 mos between filing and receiving any communication regarding outcome. I initiated every follow up with inquiries regarding status. My vet became frustrated with them due the multiple and duplications of requests for the same information. So after approximately 9 mos my claim was denied....again. I cancelled the policy within 24 hours of being notified.

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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