Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Corinne Fortenbacher

Pets Best has Literally saved our dogs…

Pets Best has Literally saved our dogs life - Getting this insurance was the best decision I've made in years!
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1

out of 5

POSTED: | BY: Lin M

If I could give 0 stars I would

If I could give 0 stars I would. It’s convenient and simple to file claims. Good luck on getting reimbursed. It takes a ridiculous amount of time for claims to be processed. An email telling you that doesn’t excuse it. Almost every time I file a claim it says more info needed. Which I typically had supplied. Their hours to communicate with an actual person are limited. The online “communicating” with virtual assistant is useless. I decided to cancel the useless policy and trying to find the online form to cancel is nearly impossible. I had to send a letter since I was too frustrated to look any further. Save your money. I’ll probably get a “we’re sorry we’re always looking to improve message”. Stop looking and do it. Don’t use Pets Best.
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5

out of 5

POSTED: | BY: Mary

Indispensable insurance

I had to take my little dog to the hospital twice in 2 months for 2 separate dietary indiscretions which caused life-threatening issues. Both events totaled around $3,000! Thankfully, I have awesome pet insurance with Pet's Best! It's a simple process to submit claims, which are processed in a timely manner, and then I'm worry-free about accidents! My dog also has other chronic health issues that need prescription medications and regular doctor exams and/or imaging scans to monitor his condition. It's all covered! I would be up to my eyeballs in debt if not for having this insurance. Thanks for making life SO much easier for us, Pet's Best!
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1

out of 5

POSTED: | BY: Debbie AK

I am so thankful I found you guys out 3…

I am so thankful I found you guys out 3 months in! I filed a claim of 100.00 dollars, I had the opportunity to try out my new pet insurance. I have been more stressed with pet insurance than without. You guys insisted on more medical records than what my vet or myself had, I guess that is your legal loophole for not paying out. I repeatedly told you there are NO MORE MEDICAL RECORDS!!!!!! The last time I called, the next day I received a email stating 'my claim has been denied because we failed to send more medical records. It had been two months, and I had enough. I will NEVER trust pet insurance from anyone, unfortunately because of Pets Best. I am just so thankful I only paid 3 months, it would have been devastating if I had been a year in. I have read so many similar reviews, AND worse with Pets Bests. I dont know how you sleep at night!!
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5

out of 5

POSTED: | BY: Hal Kaufman

CONTINUED COVERAGE

Our dog, Belzer, had a near death and very costly experience. He required hospitalization, extensive medication and continued monitoring. Pets Best has been there every step of the way and continues to provide coverage enabling us not to have to make a very painful life or death choice based on cost.
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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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