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: Margaret

They are there when you need it most with sick pets.

My experience with Pet's Best has been great. The turn around for the claims I've submitted has been very fast. When I've called everyone I've spoken to have been extremely helpful. I am so happy for this help as I have multiple pets that have had illnesses, and I couldn't afford to pay out of pocket for expensive vet bills.
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2

out of 5

POSTED: | BY: Maggie Peterson

Errors led to delays in reimbursement

Insurance end date was input incorrectly by customer service, so my claims were denied after a month of processing time. After I called to have my end date corrected, it took another month to be reimbursed.
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5

out of 5

POSTED: | BY: Stephen Freudenberg

Pets Best is great!

Pets Best is great. Our cat unexpectedly passed away and we had our dog decide to eat a tennis ball - two big, expensive events that were unexpected. Unfortunately I cheaped out on coverage and we had limited insurance, but Pet's Best reimbursed us for over $6k on our claims, which definitely helps the financial stress. Since then I've upgraded our dog and other cat's plans to the best of the best, just in case. Totally worth it.
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5

out of 5

POSTED: | BY: Shelly P

Pets Bedt is the best

I have referred friends and family to get Pets Best insurance. They have been wonderful working with since my dog got sick. Easy to do the claims also
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4

out of 5

POSTED: | BY: Ilia Jones

Really Impressed

Quite impressed with the customer service (I did call to ask why my claim was pushing a month). I adopted a sweet 1yr old rottie in Sept only to find she has horrible hip dysplasia (you wouldn’t know from looking at her) and a bad case of separation anxiety. PetsBest took my uploaded itemized receipts and broke them down into separate issues for payment. My girl is going to be able to see a specialist for her hips (thank goodness!) and I can now afford her anxiety meds! I saw my first reimbursement in my checking this morning.
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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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