5
out of 5
POSTED: | BY: Suzanne
Very helpful
Very helpful support line. Also a quick approval of claims with clear EOBs.
Read more on Trustpilot
4.9
out of 5
Number of reviews 14,681
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.
4
out of 5
POSTED: | BY: Dawn Ackermann
Slow Reimbursement With Claims
I do like this insurance company. My one big complaint is that it takes a very very long time for the company to reimburse you for a claim and it's getting longing. One of my claims I filled July 25th and then several shortly after and I'm just now getting reimburse, August 23rd. But I do appreciate that I don't have to jump through hoops to put and claim in and I've had no problems with the claims that I've put in.
5
out of 5
POSTED: | BY: Liliana
Excellent Dog Insurance Coverage
Easy to file claims; you have the option for a second opinion (to discuss the diagnosis and treatment with a vet); follow up emails on claim processing; coverage
3
out of 5
POSTED: | BY: Joe Amico
Claims take too long to process
Typically takes more than one month to process a claim which seems unreasonable to me. When I signed up for Pets Best there were assurances and reviews that said claims were processed quickly. I don't consider 6-8 weeks quickly!
Now that I understand the app and have it on my phone, it is easy to file a claim but it took me several trys and a few claims later to learn how to do it.
1
out of 5
POSTED: | BY: Kyle Henneberg
3 Month review
My dog, Shelby, had a rough come up. He was a rescue dog and is very nervous. We brought him to our vet the first day we took him home and the vet labeled him “aggressive”. Understandable, as he was nervous to many new things. We have taken him through extensive training and he has made enormous progress. It finally came the time to start regularly brining him to the vet for check ups and get him up to date on his medical records. After 2 vet exams I submitted my invoices over to pets best. First of all it took over a month to hear anything back about anything, 2nd of all, because of my first vet visit with him back in 2021 they deemed him with “pre existing conditions of aggression” and only reimbursed me <10% of my policy’s reimbursement plan. I had a 90% reimbursement plan and a 100% reimbursement plan. Untimely leaving me with a very sour taste in my mouth. If your beloved pet had any type of rough come up, anxiety, “aggression” or any other nervous reactions to a vet, they will not cover you. The reimbursement plan essentially paid for 2/3 of the payments I made to pets best for the 3 months I was with them making it a complete wash, but now leaving me with over $1000 in vet bills. Makes me feel my pet and I are just purely a number in their system and there are no real human to human interactions. All computerized and only looking out for their pockets.
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.