Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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.
1

out of 5

VETERINARIAN: Black River Veterinary Hospital

POSTED: | BY: Maryellen

No Access to Account

Poor customer service and poor account management. You cannot access your account unless you give them your IP address.
1

out of 5

VETERINARIAN: All Creatures Animal Hospital

POSTED: | BY: Jane

Pets Best Claim process

I have submitted 3 claims in order to meet my deductible. One was processed correctly - the others were denied. The reason was that it was not during coverage period. Both that were denied were within the coverage period. Phone calls to Pets Best are useless. They do not answer the phone and they do not respond to emails individually. It is a prewritten email that tells you nothing. I am about to report this company to the insurance bureau to see if that gets me anywhere. I would not recommend Pets Best.
5

out of 5

POSTED: | BY: Brittany Worden

Had coverage on my 4 dogs for 7 years

Had coverage on my 4 dogs for 7 years, it's been great aside from the doubling of premiums each year for the past 2 years. Prior to that there were no premium increases. Claim submission and reimbursement is quick and easy. Even with increased premiums, it's saved me thousands over the last 2-3 years.
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1

out of 5

POSTED: | BY: Robert

The worst

The worst. Pets Best policy goes up multiple times per year, and each time it's a 20% increase, all while filing no claims or having NO reimbursements. But when filing a claim for a sickness it gets denied or they cover nothing. There are no customer loyalty benefits, like discounts for being a customer for multiple years. I'm sure when I really NEED this insurance they won't be there for us. I'll be shopping for other insurance from a place that actually cares, and that actually pays back when our dogs fall ill with stomach issues.
1

out of 5

POSTED: | BY: Deb

Horrible

On hold for 30+ minutes. Website is useless. Minimal info on claim outcome. Nope would not recommend.
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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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