Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,154

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: John Fulco

I am most satisfied with Pet’s Best

I am most satisfied with Pet’s Best ! My pet Black Labrador Retriever at about three years old suddenly developed Addison’s disease which caused him to need daily twice a day medication and a once monthly injection to keep alive . He developed the disease of no fault of his own or ours. Pet’s Best has helped reimburse us for the medications and injections. We are very thankful to have this insurance and highly recommend this company. John
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1

out of 5

POSTED: | BY: Alyssa Rosenberg

Not worth the stress!

I have never in my life had an experience with a company SO FRUSTRATING and ABSURD. Ill start by saying that every single claim we filed got turned down, no matter the content, until I called and complained, at which point they’d admit their fault and change it. The final straw was my most recent claim, which took over two months to process because they kept sending me the same automated email (4 times) asking for “more information” on the pet’s medical history, despite the fact that from the very first email I told them there was none since she was adopted within a year. By the time I got the fourth email and called customer service (again) to explain, the woman filed a complaint on my behalf because even she didn’t understand why they wouldn’t stop asking me the same question. Today they finally finished processing my claim - meant to cover treatment for allergies, which is something they SAY they cover under illness on their website - and told us that it was a “preexisting condition”, because when we adopted her she had allergies too. I can’t stress enough that this company has no desire to help you, only itself. Find insurance elsewhere, trust me. It isn’t worth the stress.
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5

out of 5

POSTED: | BY: ann_a_ban

Our dog has been having chronic…

Our dog has been having chronic digestive issues and had to see an Internal Medicine Specialist, and needs to be on a very expensive prescription medicine. PetsBest has helped cover a lot of the Vet visit expenses, and even covers the cost of medication! We are so thankful to have the coverage!
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3

out of 5

POSTED: | BY: RC

Frustrated

I appreciate that Pets Best and pet insurance in general exists to help mitigate the expenses of pet emergency care. But I am frustrated at how often claims are labeled "not covered" and thus I'm not reimbursed. There also doesn't seem to be an easy mechanism for disputing or explaining further why an expense should be considered "covered".
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5

out of 5

POSTED: | BY: Douglas Biagini

If only human insurance companies were this great!

I have had multiple claims for my cat Oreo. Having her insured has saved me thousands of dollars. Filing is so much easier, i wish human claims was this easy!!!
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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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