Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,684

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.
1

out of 5

POSTED: | BY: Keechana Munroe

Wayyyyyyy over priced

Wayyyyyyy over priced! Takes FOREVER to process claims & for some odd reasons the funds take exponentially long to hit your account.
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5

out of 5

POSTED: | BY: Carol Decaro

I have been a customer of theirs for a…

I have been a customer of theirs for a long while years now. This companies prices are pretty good. They come through pretty fast with the bills that are sent to them. So long at it is not an existing condition before you apply for the insurance they are great in covering the situation.
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1

out of 5

POSTED: | BY: Angelo Amante

Horrible company

Do not I repeat do not get this pet insurance provider they to not cover anything they list. Complete scam
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5

out of 5

POSTED: | BY: Debe Burgardt

My fur kids are happy

I have been a member of Pets Best Ins for my 2 Poodles. Charcoal and Cocobean since they both were born Charcoal is 3 years old and Cocobean is 2 years old Pet's Best Ins has been great with any and all claims for both of them. I carry the best policies they have for dogs and I take my fur babies to the best Vet in my area Franklin Vet Hospital in Elk Grove, CA my Poodles are family members ❤️ I go to the best MD for my care so I take my fur kid's to the best Vet care. And cover them with Ins.
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1

out of 5

POSTED: | BY: Gail

Dishonest

We have had a good experience for the last two years until now. The last two years our claims were insignificant amounts and Pets Best had no issues paying out. This last month our dog needed knee surgery which from diagnostics to post op follow ups is over $7k. They denied our claim based on our dog having had knee surgery on his other knee 3 years prior. I spoke with a representative over the phone on choosing the correct coverage with full disclosure of previous knee surgery and other preexisting conditions. The representative told me which coverage to get and that his knee would be covered if God forbid he needed it. So here we are stuck with this medical bill and not even the initial diagnostics to determine what was wrong with his limb was not even covered. Pets Best is a waste of time and money since they will not pay out for bigger claims. I’m very disappointed!
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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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