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: JERRY FOX

They are CROOKS

They are CROOKS. My name is Jerry Fox. I was turned down for a LEGITIMATE claim involving our dog SIMBA. They said it was because I didn't have insurance for 14 days before we took dog to VET. (MY BANK STAEMENT SAYS OTHERWISE) They waited 3 months to determine this. IF THIS WAS TRUE THEY WOULD HAVE KNEW THE DAY I FILED THE CLAIM, AND SHOULD HAVE TOLD ME!!!! Instead they waited 3 months to deny my claim. If had not started calling every day about the claim, I'm sure they would have taken longer. I HONOSTLY BELIEVE THEY WERE JUST TRYING TO MILK ME FOR EVERY PENNY THEY COULD POSSIBLY GET. Naturally I canceled the insurance for both dogs and I'm calling my lawyer A.S.A.P. My bank statement proved I piad for the policies over 10 weeks prior to taking our Dog to U of PENN Ryan Hospital. THEY ARE CROOKS AND WILL MILK YOU FOR EVERYTHING THEY CAN GET. I AM DEFINITLY SUEING
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5

out of 5

POSTED: | BY: Syl Christensen

A great first experience

I’ve only had to use it once and it was for an emergency visit. They made it very easy to be reimbursed. It was a very simple and stress free.
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5

out of 5

POSTED: | BY: Melinda P.

Satisfied so far

So far, I'm pleased with Pet's Best insurance. It has been helpful these past few months with vet visits. It usually takes about two weeks to be notified of whether or not I'm receiving a reimbursement, which is pretty good. As long as the rates don't increase too high, I'll be sticking with this company.
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1

out of 5

POSTED: | BY: snow den

can use any vet

can use any vet, great. so far claims have returned less than 10% of the vet fees paid. Not much is covered for one of the most expensive options I took
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5

out of 5

POSTED: | BY: Arthur Johnson

When our cat swallowed a bunch of rubber bands...

When our cat swallowed a bunch of rubber bands, we were warned by the hospital that the bill would be substantial. "We want her to receive the best care — and we're insured," I replied. Pets Best did not let us down, and reimbursed us promptly for all covered costs. The best news is that our cat recovered promptly!
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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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