Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,136

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: Meghan Pope

Excellent Coverage and Hassle-Free Claims Process

We’ve been very happy with Pets Best. We currently have multiple dogs insured through them and have submitted claims ranging from routine illness and diagnostic testing to specialist consultations. The claims process has been straightforward, reimbursements have been processed as expected, and the coverage has given us the confidence to pursue the care our pets need without constantly worrying about the financial impact. One thing I’ve especially appreciated is that diagnostic testing and specialist evaluations have been covered according to our policy. Knowing that expensive workups and consultations are eligible for reimbursement has made difficult healthcare decisions much easier. We’ve also had positive experiences submitting older invoices and have found the process easy to navigate. As pet owners, having reliable coverage and predictable reimbursement has provided tremendous peace of mind. Based on our experience so far, Pets Best has been well worth the investment.
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2

out of 5

POSTED: | BY: Aneisha John

I really need access to the mobile app…

I really need access to the mobile app and the web portal but since signing up for this insurance i have not been able to access either. I already called and submitted a ticket for this, and i cannot add direct deposit info or access a portal in anyway
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5

out of 5

POSTED: | BY: Jenny

Timely responses on claims and refunds! Always provides statuses via email.

Timely responses on claims and refunds!
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5

out of 5

VETERINARIAN: Animal Hospital of O'Fallon

POSTED: | BY: Stephanie

Five stars! Claims paid without a hassle

Pets Best has been an absolute lifesaver. Our puppy has had accident and illness coverage with Pets Best since 9 weeks old. We did all the required preventatives out of pocket but unfortunately at 6 months she contracted Coccidia parasite and had complications resulting in an emergency overnight stay and another 2 follow ups at our veterinary. Filing a claim is incredibly easy, and they have promptly reimbursed me for my vet visits and emergency care and medications. No games, no hidden loopholes—they just pay the claims as promised. If you want peace of mind for your dog or cat, this is the company to go with and if getting a puppy highly recommend getting coverage asap! Thank you, Pets Best!! We appreciate you.
1

out of 5

POSTED: | BY: Craig

Horrible

Provided all medical records for dog from 1st vet visit up to the day of claim. Then they asked for prior 12 mos of records. I gave them all to PetsBest, they just need to look! They then denied the claim because " info wasn't received by customer" Do better!
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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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