Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Annie B

**all claims are always denied*

**everything IS pre-existing** DO NOT USE THEM ~I took my dog in just for a wellness exam that includes physical exam and blood work and they said it’s a pre-existing condition. How is this a pre-existing when it’s just a wellness exam?? They stole my money legally and they will steal yours! Please save your money and go elsewhere. They are PetsWorst– they will give you the worst stress and headaches ever so RUN AWAY FROM THEM! Per their reply-- again, the exam was a routine exam and allergies was noted out of the exam so how is this a preexisting? Allergies come and go, still the annual exam should be covered because we paid for the wellness fees!! Well, PetBest isnt best here. They find every reason to deny you! Do not use them-- learn from my and others' mistakes! Don't trust the good reviews here. -- there are companies that will create good reviews if you pay them!
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5

out of 5

POSTED: | BY: Mercedes Pacheco

New Cat - First Time Having Pet Insurance

I just adopted a new cat a month ago, and I researched pet insurances and Pets Best was rated one of the best overall insurances. I took my cat Socks to our family vet for a routine check up; I submitted my claim the same day and a week later, the claim was reviewed and approved. The next day I was reimbursed for my portion. I am extremely happy with my first experience with Pet Best and how fast the turn-around time was.
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5

out of 5

POSTED: | BY: Edgar Whitener

Very Pleased…

I purchased this insurance last month knowing there were mixed reviews about the company. I chatted with an agent who was very helpful and signed up our pup. Obtained the records from our Vet and sent them in. Filed our first claim last Monday (July 12). Claim was settled in five days and money deposited in our account in eight days. I could not have asked for a better, easier experience.
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5

out of 5

POSTED: | BY: Mark and Kelley Bopp

Wonderful insurance for dog

Wonderful insurance for our family dog! So happy and reassuring to have this protection for our Dog. Unfortunately, we have had to provide medical care for our dog a few times however the insurance protection is reassuring. Easy to upload the vet services/bills and very reasonable turnaround time!
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5

out of 5

POSTED: | BY: Jody Meier

Pet's Best has your back

Pet's Best Insurance is the best purchase I have made in a very long time. I have always owned dogs, but never had insurance. Within the first 6 weeks of our new pups life, she ate a grape. Grapes can be deadly to dogs and she had a 5 day intensive care stay. Pet's Best was quick to respond. The website is so easy to use and filing a claim was easy. Our doggie is fine now and we have peace of mind knowing Pet's Best has our back. Never go without this great protection
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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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