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.
1

out of 5

POSTED: | BY: Jane Tanaka

you wont cover a legitimate medical claim for my rescue dog

Petsbest denied coverage for my Wally's new onset seizures, for which I went to Tehachapi Vet Hospital, because there were no medical records prior to this within the last 12 months. I adopted Wally from a rescue in Nov 2021 . He had a clean bill of health from the rescue's vet prior to my adopting him. And he didnt need any vet med care in the last year, until his new onset seizures. Because there were no records to provide for medical care within the last 12 months, the claim was denied. This was not a pre-existing condition.
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1

out of 5

POSTED: | BY: Suzanne Reep

I have three greyhounds insured through…

I have three greyhounds insured through three different insurance company. My oldest greyhound is insured through Pets Best and they are absolutely terrible. I have claims going back four months. They take 40 days to process a claim at which time they deny the claim and close it for lack of medical records that have already been sent by my vets multiple times (which I verified). They promise to reopen claims, but they don't. Then I have to appeal the claims. Now I have learned it takes 90 days for an appeal to be processed. When I call customer service, I get conflicting information each time. Of course, they apologize every time I call which was once or twice a week. The amount of time tracking my claims and sitting on hold is beyond the pale.
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5

out of 5

POSTED: | BY: Diane

Results were fairly quick and good…

Results were fairly quick and good explanations in the EOB were provided.
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5

out of 5

POSTED: | BY: Raya Thoma

This is an amazing pet health insurance…

This is an amazing pet health insurance company! It is very easy to submit claims, they get reviewed promptly, and payment comes quickly! I wish human health insurance was like this!
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1

out of 5

POSTED: | BY: Amanda Pereira

Annual maximum is horribly low

Annual maximum is horribly low for a lot of treatments/categories. I feel like I’m being robbed. Just got my EOB for an annual check up for my dog and less than half was covered.
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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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