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: Osvaldo Gamez

BEST PET INSURANCE COMPANY AROUND!

I have had to use my policy for each of my pets a few times. Each time the process has been painless, fair and fast. I’m so grateful for the coverage and peace of mind I get from having these policies and I am extremely satisfied with how the claims are handled!
5

out of 5

POSTED: | BY: LY

Kaycee Mom

The claims are processed in a timely manner as well as payment. It is so easy to submit a claim online.
5

out of 5

POSTED: | BY: BBJ

My rescue dog (Jazzy) has had a lot of…

My rescue dog (Jazzy) has had a lot of medical issues since her rescue and Pets Best has been wonderful in paying their portion of her Vet Bills in a timely manner. This is the first Health Ins. for any pet that I have had over the years and so pleased with Pets Best and highly recommended. I have recommended Pets Best to quite a few dog walkers in my community.
1

out of 5

POSTED: | BY: Sara

Avoid PetsBest! Terrible

2/28 Edit: they give the most pitiful and laughable responses to critical reviews with legitimate concerns. Absolutely no company accountability about the error in their own UI and misleading information to their customers. Avoid this company like the plague - read the critical reviews and go elsewhere. I found way better insurance with better customer service and more comprehensive coverage with Lemonade. Pets best sucks their customer service is atrocious. I cancelled my policy on the app and removed my foster dog. They claim they didn’t receive it when I updated status for the dog to be not owned anymore and they made me pay for over two months of premium for a dog that I did not have. The representative Alex on the phone was absolutely unhelpful she straight away said there was nothing she would do. They wouldn’t back date or refund my money, they absolutely could have made an accommodation for their terrible app and membership experience. I immediately asked her to cancel for my dog Athena and the foster dog that was adopted out end of October beginning Nov. Alex seriously needs to be given some coaching and training on actually being a better service professional. I am in support and service and I know more could have been done especially given that I have been a customer for a long time. All they care about is their money not about pet care or their own customers. If they actually cared they would have considered their own UI/UX error and made steps to correct. Instead their rep alex doubled down and said there was nothing to be done. Abhorrent experience. Will never recommend to any of my family friends or network for their pet insurance needs. If you’re considering petsbest, go elsewhere. Read through the critical reviews here, and the laughable responses from the company. They legitimately do not care. I found way cheaper insurance with much more comprehensive coverage with another company within the hour after cancelling PetsBest. Never looking back.
5

out of 5

POSTED: | BY: Kelsey Hofer

Easy & Quick Solution

Easy to request reimbursement; quick payments; automatic renewals. Having this insurance helps reduce my stress when my hyperactive dog inevitably hurts herself. It also helps me feel like I can ensure she gets quality medical care when needed, without having to stress about my bank account.

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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