Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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

POSTED: | BY: Michael Rapaport

Awful Coverage - Months for a Claim to Process - Misleading Marketing

Even the most basic routine checkups are denied. Waste of money. Takes months and months for them to notify you that you're denied as well. Will be canceling and switching to a different provider
5

out of 5

POSTED: | BY: Debbie Miga

Pets Best IS the Best!

Pets Best is superior to all other pet insurance. I have shopped around for quotes and their policy was the very best for coverage for wellness, illness and accidents. I feel very secure knowing my kitties are protected for life!
5

out of 5

POSTED: | BY: Patricia Whittemore

I haven't ever had pet insurance for my…

I haven't ever had pet insurance for my pets before. Everything was so easy and my claim reimbursement was direct deposited right into my checking account! Easy Peasy. I'm a very happy customer.
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5

out of 5

POSTED: | BY: Cynthia Fisher

Pet's Best is truly The BEST!

Pet's Best was referred to me by my Vet in 2009. I did an extensive review side by side with Trupanion and found that Pet's Best beat them, and all others, hands down. Pet's Best has the most coverage (90% on most claims) and pays rapidly. Filing a claim is as simple as a few clicks on the phone and one photo. Payment is within a week or two and I have found that they are very willing to help with questions. I would ONLY use Pet's Best and refer my friends and family to Pet's Best. In 2015 my Malinois Max developed Discospondylitis. A rare spinal disease. Pet's Best did not abandon me or deny my claims but rather pre approved an MRI and other expensive diagnostic tests for the VCA (who expect payment on the day of the event in full) so I could have the tests done without out of pocket money except my 10%. They also helped me all the way through a difficult time and covered the euthanasia and cremation. Amazing compassionate and professional. Affordable and fair. I am a loyal customer.
5

out of 5

POSTED: | BY: Jodi

Quick review time

The review time for my claim was approximately 2 weeks. The EOB was clear. I am awaiting my payment, there are also instructions should the direct deposit not arrive and a time frame to expect it. I always appreciate someone/business being proactive.
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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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