Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,686

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: Paula Pelletier

PetsBest is the BEST

PetsBest is the BEST! Submitting claims are so easy in the app and payment is super quick. Highly recommend them.
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1

out of 5

POSTED: | BY: Daniel Knox

Co-pay included with Deductible

My insurance is listed as a $500 deductible and a 10% co pay after the deductible has been met. The company is charging me the $500 deductible plus 10% before they will pay on a claim. So I must pay $550 before the company pays on a claim. This amounts to a $550 deductible and not a $500 deductible. The representative I spoke to on 6/17/23 at 1:30pm was not helpful or at least only spoke the company line. I find this misleading in your advertising.
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2

out of 5

POSTED: | BY: Danusia Szumowski

I’ve used Pets Best for many years

I’ve used Pets Best for many years. I never used to have problems with submitting invoices as paid from my vet. Now it’s inconsistent - I’ve gotten push back on some clearly marked paid invoices asking for proof of payment and not others. It makes no sense. Do they want to see my credit card statement? Something has changed.
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5

out of 5

POSTED: | BY: Erica Linn

Easy to submit a claim

Easy to submit a claim. Real quick turn around on payment
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4

out of 5

POSTED: | BY: Dennis

Callie's UTI Claim

My claim for $905 actually paid $977, more than I had anticipated, some injections I thought would not be covered were actually covered, thank you! The process time was adequate, since I retired as an insurance adjuster I fully understand staffing issues and workloads. The detailed spreadsheet provided explaining payment was much appreciated!!
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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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