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.
2

out of 5

POSTED: | BY: Joe Boley

Not Worth The Money

Thought the idea of pet insurance was a great thing until we tried it and were paying hundreds of dollars per month for coverage. Very little was actually covered. We slowly dropped the coverage on multiple dogs and finally dropped the rest when a simple ear infection visit to the vet was not covered......it was considered a "pre-existing" condition since our dog had one a year ago. How is that possibly a pre-existing condition??? The dog did not continue to have an ear infection for the entire year. Ear infections come and go. So PetsBest rep on the phone told us that any issue a dog has had in the past, whether a cold, illness, broken toenail.....is considered a pre-existing condition and is not covered for any instances in the future. I would NOT RECOMMEND getting PetsBest pet insurance.
5

out of 5

POSTED: | BY: Kristen Barton

DEFINITELY WORTH IT!

I purchased Pets Best insurance for my dogs last year, and if it were not for them, I would not still have one of my dogs today. Their plans are very affordable, and payment is issued in a timely manner. I would recommend them to anyone
5

out of 5

POSTED: | BY: Dolores Hutchison Heffron

I am very happy with this insurance

I am very happy with this insurance. They have work to give me the reimbursements for the times I’ve had to take my dog to a vet. I would recommend them to anybody that has an animal.
5

out of 5

POSTED: | BY: J.D.

Submitted first ever invoice/bill to…

Submitted first ever invoice/bill to see if anything could be reimbursed, and got a VERY quick decision and clear explanation!!!
5

out of 5

POSTED: | BY: Kenna

They have paid promptly for every claim…

They have paid promptly for every claim we have filed. Have been very happy with them

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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