Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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: Janice

I have only had great experiences with…

I have only had great experiences with Pets Best Insurance. Within in a few days of submitting my claim, I’m informed that they received it. It has only taken a few days after that that I receive another notice stating what they are going to pay.
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5

out of 5

POSTED: | BY: Leah Haglund Pykkonen

Pets Best makes the process easy and…

Pets Best makes the process easy and straightforward
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1

out of 5

POSTED: | BY: Devon Addonizio

Should be called "Petsworst"

They have no formulary treatment for dog sick with worms or giardia (common issues especially in puppies! I found this out when they shockingly didn't cover my dog's Panacur.) Also, my dog got conjunctivitis a second time last year (he's very social and in daycare) and they refused to cover the visit or antibiotics, calling this acute condition "pre-existing " because he had it twice. Unbelievable! They have yet to cover a penny of expenses. I want my money back for this sham coverage.
1

out of 5

POSTED: | BY: Jordan Gauntt

The worst pet insurance do not sign up

This is the worst pet insurance company. Six months after signing up for this insurance company my 3 year old German Shepard was diagnosed with Panus, a rare autoimmune disorder. Pet best has denied every claim we have sent them for erroneous reasons. We have sent them letters from our veterinarian and all documentation request and have still never been paid for any claim. Find a different company and do your research.
1

out of 5

POSTED: | BY: Joshua Pinkos

Poor coverage. Poor experience.

My veterinarian diagnosed my dog with hypothyroidism a year after purchasing this insurance. She had never been seen, treated, or diagnosed with this in the past. I filed claims totaling over $1000 for visits, test, treatment, and medications. The claim representative(s) claimed this was a preexisting condition since my dog had been seen for a skin infection prior to me purchasing this insurance. My veterinarian wrote a letter to the claim representative stating that the skin infection and hypothyroidism were no related and provided dates, which were within the policy period, in which my dog had been seen for the new illness. My claim continued to be denied with no expenses covered. The ease of claim submission does not outweigh the lack of coverage. I would not recommend this insurance to anyone, and I plan to cancel my policy.
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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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