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.
3

out of 5

POSTED: | BY: Mitchell

On first wellcare submission, Not what I expected

On first wellcare submission, coverage was not what expected. Had Embrace and their coverage was much better than Pets Best. They covered 100% while Pets Best was only about 50%
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3

out of 5

POSTED: | BY: Janet Jones

Smaller reimbursement than expected

It probably says this in the small print, but I was disappointed with my recent claim. They paid me $200 less than I expected because they only took 80% of every submission to go towards my deductible, so it took longer to reach the $500 and therefore I got back less. Why do insurance companies never give you your monies worth?
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1

out of 5

POSTED: | BY: Abril LeGerrette Greathouse

Pet's Best Buys Their Reviews

Pet's Best is the absolute scam of any insurance. I am calling the BBB, the California Insurance Board and anyother place I can urge people not to do anything with this company. They buy their reviews, I have a 10yr dogson he hasn't been to the vet since the pandemic went into this awesome vet that my friends recommended this was just an initial wellness check up, met the vet get blood drawn see what shots he needs etc. While there Vet listened to his heart and said it sounds like he has a heart murmur, he needs xrays and blood later we will need an ecogram (650.) left there with blood work, xrays everything was actually really good. I spent 650 dollars for that mind you I'm thinking they will reimburse (from what the reviews say) 80% within a week. FIrst it took 45 days of which I paid Pet's Best 100. a month for 3 months already, my deductible is 500. lol which is a joke. Everytime I called up there were countless excuses they even used the hurricane as an excuse told me they called me vet and they never got them the paperwork (yes they did) I even got them the paperwork personally along with the x ray which showed my dogs heart was good. Last night I received an email saying they were going to reimburse me 8.00 lol cancelled the policy immediately, refused to returned my 300. I paid for nothing. Also just to note they used VET TECH's to determine your claim not Veterinarians DO NOT USE THEM.
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2

out of 5

POSTED: | BY: melanie schemonia

SLOW REIMBURSMENT

Pets best is great if you don’t need to be reimbursed quick..They are extremely slow at reimbursing you your money back..I use to be with Pumpkin insurance and the money would be in your account in 2 days..This is already hard for people to pay the insurance but to not get our money back for almost 2 weeks is ridiculous..
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5

out of 5

POSTED: | BY: Bella gomez

Very fast service and and quick…

Very fast service and and quick responses to claims
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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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