Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,134

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.
4

out of 5

POSTED: | BY: Jess Marshall

First Claim Filed

It was the first time I had submitted a claim since having this insurance. Each time I called, I was able to get right on the phone with a support specialist, and they were able to give me updated information that could not be found through the app. Took exactly one month from the day I submitted the claim to the day I received an email with the reimbursement breakdown.
5

out of 5

VETERINARIAN: Animal Hospital of White Plains

POSTED: | BY: Marie Tarone

Quick, Easy & Reasonably Priced

I love how easy it is to file a claim with Pets Best. You just upload a PDF of the itemized invoice and receipt to the website and they confirm receipt and immediately issue you a claim #. I don't think I have ever waited more than a week for a response/payment to be made directly into my bank account. If I did have any questions, when I called customer service, I actually spoke to a person and not a series of AI prompts and the best part is that this great service comes at a reasonable cost. I've had the insurance for two years now and the annual increases have been minimal. Hopefully they stay that way!
1

out of 5

POSTED: | BY: Derek Hoffmann

Insurance Scam

My plan covers accident/illness. Apparently, a cancerous tumor being removed isn’t enough to have the funds reimbursed. This place sucks. They just increased the plan to $200/month but then only pay 1/3rd of the claim? A $900 claim where our dog would have DIED prematurely if we didn’t remove. Save yourself money and create a savings account. Avoid this Scam.
5

out of 5

VETERINARIAN: Veterinary Specialty Hospital - North County

POSTED: | BY: Tom Kerley

Mac the Dog

I have used this company for over 15 years. I cannot begin to do justice to how great the are are in relative comparison to the cost. My dog, Mac, was diagnosed with cancer earlier this year. Pets Best has enabled me to get him the best treatment possible and allow him to continue to live a high quality of life. Through the entire process, Pets Best has been extremely responsive to all my claims and adjudicated them in rapid fashion. They have my highest recommendation.
5

out of 5

VETERINARIAN: Instilled Animal Clinic

POSTED: | BY: Candice Jones

Amazing company

Saved our pups life. Kind and caring staff. Very knowledgeable.

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 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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