Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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.
4

out of 5

POSTED: | BY: Irish Lass

Response time is great, HOWEVER....

Response time is great. Payment is very fair, definitely according to the policy I signed up for. However, and this is a BIG however, the website is often very difficult to sign in to. I often get an error message, and it is sometimes days - not hours - later when I can finally get onto the website. This is a big red flag to me.
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1

out of 5

POSTED: | BY: Kathleen Baswell

I’m Done

I had no problems the first few years.I've been a customer for 8 yrs.Last year or two I could never get the claims for my two dogs approved because you were never satisfied with the receipts and invoices I sent you.Now I had issues with taking the pics on your app. I took the pics over and over again yet they were never good enough for the app even though they looked perfect to me. I called support and had to talk to someone that I could hardly understand.i was told to email them.i did that and finally got one approved and waiting on payment. Got an email today telling me i needed to resubmit the 2nd claim because the email I sent didn’t have the attachment with the receipts. I pulled up my copy of the email and it’s all on there so I resent it.I forgot to mention that my vet had also sent all the info to begin with. I’m waiting for these claims to go through and after eight years I’m done.What I’m paying is way more than I ever get back and I can’t deal with these issues anymore.It should not be so difficult to submit a claim.
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5

out of 5

POSTED: | BY: Jill B

I have Pets Best for both of my dogs

I have Pets Best for both of my dogs. I recently got a puppy who turned out to be very ill with a liver shunt and I have had no issues with the insurance paying his bills, and honestly, they are a big reason my puppy is getting better! Thank you!!!!
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1

out of 5

POSTED: | BY: Erin Magaw

Shady practices

When a rep can’t answer questions, they just hang up. My claim was initially denied because one of your adjusters changed the reason from a covered accident claim (ingestion of a foreign body) to an illness (gastrointestinal infection) despite the supplies documentation clearly stating the reason for the emergency visit. Shady practices to avoid paying for services that my insurance should cover.
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5

out of 5

VETERINARIAN: Dog and Cat Hospital Calabasas

POSTED: | BY: Jodi

I am very happy with Pet's Best!

My dog had an emergency and had to be hospitalized in an oxygen tank overnight. Pets Best processed and paid the claim very quickly, much to my relief. I am so grateful for them and would not go back to any of the other insurance companies I have had over the years. The claims process is very easy. It takes about 2 or 3 minutes for me to file a claim online. They respond immediately and keep me updated in the event they need more information. I find the process to be really efficient. The money arrives in my bank account as soon as the claim is processed. No long delays. I am very happy with them.
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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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