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.
5

out of 5

POSTED: | BY: Elaine Flaherty

I recently brought a new puppy into my life.

I recently brought a new puppy into my life. He is the light of my life. I am a 75 y.o. Widow that adores him. I got Pet’s Best Insurance so that whatever comes up, I am able to take care of it. I have submitted 4 claims for him for everything from routine visits to antibiotics for a gastrointestinal issue. Pets Best has promptly and fairly paid for his treatment and needs. I am thrilled to know I chose a reputable company that stands behind their service.
5

out of 5

POSTED: | BY: Usual Suspect

Gear Experience

I supplied the receipts and waited a couple of weeks and was reimbursed as expected. Everything has been great. My Corgi appreciates Pets Best.
5

out of 5

POSTED: | BY: Adelaide

PetsBest is a great company

PetsBest is a great company. They review and process claims really fast and the Claims Reps are very nice when you have them on the phone!
5

out of 5

POSTED: | BY: Susan Lordi

Nothing but good things to say about…

Nothing but good things to say about this company. They review claims and reimburse you quickly. My dog has been having an ongoing problem and they have covered every single little thing that needed to be done from the first appointment with the regular vet to the procedure at the vet specialist hospital. They were there throughout the whole thing covering my dog. It's so nice to know that I can afford what needs to be done thanks to this company. Otherwise I don't know what I would do. I would go into debt trying to make my dog better. Very quick responses to any questions or concerns you may have. I get this company and its employees an A+++ Thank you Pets Best!
1

out of 5

POSTED: | BY: Jocelyn Nelson

Do not recommend

We understood getting this insurance that some stuff wouldn’t be covered within the 1st 6 months from policy start date. Our dog started limping, so we took her to get checked just for our vet to refer her to another specialist for an X-ray. New vet did X-ray and found out she had a cruciate ligament and needed surgery. We submitted all her medical records to prove it wasn’t an pre existing condition and it was an accident but PetsBest still closed the claim after making us call the all the vets we saw within the last 12mo. We knew cruciate ligament wouldn’t be covered but how is the X-ray that they did on her to find out what the issue was NOT COVERED! Called customer service just to be told that anything associated with cruciate ligament will not be covered. Wasted 4 months of money on this insurance scam. Stay far away from PetsBest because they will not work with you and will make up their own break down of the policy without proof.

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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