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.
5

out of 5

POSTED: | BY: JerseyGirl

Prompt, Accurate Reimbursement

Nora, our Boston Terrier pup, has been insured by Pets Best for more than a year. We appreciate the seamless way underwriting interacts with her veterinarian if necessary while expediting payment. I am aware of what is not covered in this policy, so there are never any surprises. The on-line system is easy to use, and I am grateful for the help these payments make in keeping Nora healthy. Customer service reps are really top notch.
5

out of 5

POSTED: | BY: Amanda

Great Customer Service

The PetsBest phone representative was nice, courteous and professional on the phone. She answered all my questions and quickly resolved the issue.
5

out of 5

POSTED: | BY: David McNeill

Quick and reasonable well-visit claim processing

Easy claim submission followed by relatively prompt processing and payment
1

out of 5

POSTED: | BY: Romeo

I am very unhappy with you guys

I am very unhappy with you guys. I was paying $150 each month for my dogs insurance and you never cover anything for us I won’t recommend you guys to anybody else One of the worst insurance company ever That’s why I decided to cancel my insurance
5

out of 5

POSTED: | BY: Tina Mulcahy

Simple processing

I have submitted quite a few claims due to having a puppy born with a kidney deformity. Our sweet boy is 2 years old now. Once I have met my $250 deductable each year, my claims have been authorized promptly and without any problem whatsoever. Submitting claim takes me less than 5 minutes just using my cell phone taking photo of bill and receipt that I paid at visit and hit "send". Done! I receive automatic reimbursement deposit into my checking account within days. Pets Best insurance has been a pleasant surprise!!

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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