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: Shara Brown

Years of great coverage from Pets Best!

Pets Best has been providing coverage for my 2 dogs, Tank and Speedy, for about 3 years. We are thankful we chose to enroll with Pets Best because soon after, both of our pets developed health issues that require ongoing medical care. Their website is convenient for viewing coverage details such as formulary medications and it is also a breeze to use. Submitting claims online or by using the Pets Best app is also quick and convenient. I was especially impressed by Pets Best's communication several years ago when I submitted a claim and they were experiencing some delays in processing all claims. Pets Best sent a letter to notify me that they were experiencing this temporary delay and gave me a timeframe I could expect for them to manage my claim. I appreciated their forward communication in an effort to circumvent my frustrations about the delays.
4

out of 5

POSTED: | BY: Clancy Kress

Claims improved 100%

Last year, claims took an unusually long time to payout. Thus year, my claim was completed in a week. Going in the right direction now guys!
5

out of 5

POSTED: | BY: Jennifer

Pets Best is a Life Saver

I have had the most pleasant customer experience using Pets Best for 2 separate dogs over 3 years. The claim process is easy and the app is easy to use as well. Their communication is excellent and the explanation of benefits documents are always thorough. I can not recommend this insurance company enough.
5

out of 5

POSTED: | BY: Em

I'm so happy with my plan and service

I'm so happy with my plan and service! It has already saved me money at the vet. The premium is affordable and the customer service representatives I spoke with have been all been very nice and professional. 10 out of 10.
5

out of 5

POSTED: | BY: Lorgia Harry-Valerio

It's great to have pet best insurance…

It's great to have pet best insurance for my baby, specifically in those emergency situations, They always review my claims fast will all details. Submitting a claim was fast online.

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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