Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Luis

My poor dog had get emergency vet visit…

My poor dog had get emergency vet visit we thought the insurance but every step im the way they were being difficult we submitted all documents from vet and keep deny because "its new vet" like what we submitted the old vet documents but you need documents from his new vet plus a year form them but that his new vet his record will show that day he visits so their agents would deny those documents even though myself and the vets submitted them. Going file a complaint to Department of Insurance about this process. Horrible customer service
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5

out of 5

VETERINARIAN: White Haven Veterinary Hospital

POSTED: | BY: Cindy

Tests and Procedures with Less Stress

When my girl was found to have elevated liver enzymes during lab work that was not expected- I was stressed about what would need to be done. My veterinarians have been able to continue testing and recently perform a biopsy to move forward to determine next steps and treatment options. PetsBest has processed my claims quickly and accurately resulting in less stress to me for the financial impact. Having the insurance with a trusted company is a benefit I cannot imagine not having. "
3

out of 5

POSTED: | BY: Mike Mihalek

Final result was appreciated, but overall lack of communication hurt

I appreciated the outcome of a recent claim, but I was disappointed by the lack of clear communication regarding the necessary documents for the vet to process it. When I initially submitted the claim, it was closed due to missing documents. I was never informed about the specific documents required by the vet to complete the claim. After resubmitting the claim with the provided documents, I had to repeatedly call the customer service to inquire about the remaining requirements. It took over a month and a half to finalize the claim, which could have been avoided if the adjuster had communicated the necessary documents clearly from the beginning.
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5

out of 5

POSTED: | BY: Alex

Easy to claim, easy to get refund.

"Long time customer, more than 15 years. Very easy claim filing , clear explanation of the benefits, fast payment after approval, even our VET were surprised how quick it was approved after such complicated case."
5

out of 5

VETERINARIAN: 5 Points Animal Hospital

POSTED: | BY: Jennifer

Pets Best is Amazing

Pets Best has been absolutely wonderful to work with, my pit bull mix has had several issues over the last year and they process claims with lightning speed. She recently had to have TPLO surgery, without Pets Best I wouldn’t have been able to afford it. I am extremely grateful and would 1000% recommend Pets Best and have recommended then to every one I know!
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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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