Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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: Robin C

Very happy with the process

Very happy with the process. The claim was done online, filled out the claim form and attached a copy of my receipt, and in two weeks my claim was paid. Would recommend Pets Best Pet Health insurance to everyone. Very reasonable rates.
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5

out of 5

POSTED: | BY: Danielle

Life Saver!

Having a sick pet is stressful enough and Pets Best took some of the financial burden off of us. The claims process was easy and smooth. The customer service representative even asked me about my dog and how she was doing! I was half expecting them to nickel and dime what they covered but they were great. I got exactly what was promised to me and I couldn't be happier to have Pets Best as my insurer. I will be recommending them to my friends and family
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5

out of 5

POSTED: | BY: Shari Kempton

So far Pets Best has been great

So far Pets Best has been great. Saved me over $ 7,000.00 for my dogs broken elbow and ear infection. I would highly recommend them for all your fur babies. I have all 5 of my fur kids on their health insurance.
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1

out of 5

POSTED: | BY: Matt

Pathetic

Pathetic. Coverage for my English Bulldog began when he was purchased. This means he had a FULL VET assessment and there was NO MENTION OF RESTRICTED AIRWAYS IN ANY OF HIS MEDICAL RECORDS. He just turned two this year. There was NO lapse in his policy, no missed payments (they make sure of that!!!). His policy had a $500/deductible which was met during the plan year. And the remaining was a standard 80/20. He was suffering from difficulty breathing and vomiting of phlegm. The vet immediately identified he needed soft palate surgery. This is common in similar breeds and NEEDED FOR QUALITY OF LIFE AND TO REDUCE RISK OF ASPIRATION. Basically, as he grew into an adult additional skin began to grow over airway. IT WAS NEVER A PREEXISTING CONDITION AND WE HAVE ALL HIS ROUTINE VET RECORDS TO DEMONSTRATE THIS. Full denial of his $995 claim. Explanation as follows "Medical and illness coverage is available 14-days after the Policy Effective data. Symptoms of the condition being claimed began before the effective date of the policy and is not part of the policy coverage"... Pre existing conditions. Again, UNTIL THIS EPISODE THERE WAS NO DOCUMENTATION BY LICENSED VETERNARY SERVICES OF A PROBLEM WITH AIRWAY DUE TO SOFT PALATE CONDITION.
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5

out of 5

POSTED: | BY: Angela Conley

Cha-Ching

The Pets Best system was easy to upload claims and they processed them quickly....cha-ching!
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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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