Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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.
2

out of 5

POSTED: | BY: Cheryl

I have called twice on this particular…

I have called twice on this particular claim and submitted all the requested documentation. Despite this, the claim denied again as a duplicate. Called and spoke to the rep who stated what I already knew and he said the claim will be sent back for reprocessing. I am not confident since this last call was a repeat of the previous call.
3

out of 5

POSTED: | BY: Rayna Labine

Claims turn around is super slow

Claims turn around is super slow. Switched my 7 month old dog to this insurance because on paper it looked so much better than what we had. Grass wasn't greener! We switched back to the original insurance. It's a good insurance if you start with them from the beginning, but claims do take awhile but once it is done, they will cover a lot. Watch out for those"preexisting conditions". A prior ear infection from when my dog was 14 weeks stopped him from getting any of his future bills covered for any ear infections.
5

out of 5

POSTED: | BY: Bjoyful

So far we have been very happy with…

So far we have been very happy with Pets Best. The time between submission and reimbursement is quick. I also find the user portal on the website easy to use. I would recommend it.
5

out of 5

POSTED: | BY: Dori

Pets Best has been the Best

Our experience with Pets Best has restored our faith in Pet insurance and I will never be without it. Pets Best has been prompt and responsive to ALL our claims and have made the process easy. I found them to be far better than other carriers I have attempted to work. I am very grateful for this insurance and will continue for the life of my pet as well as future pets.
1

out of 5

POSTED: | BY: paloma

If I could give zero stars I would!

If I could give zero stars I would! I paid $60 a month for my dogs insurance. I take her in to the vet for some seasonal allergy issues and paid $600 out of pocket for it altogether with meds. I submit a claim and my claim is denied! They didn’t pay back any of the money because they stated she went in last year for this. Like YEAH it’s seasonal allergies! Do they only cover Wellness checks?!?! I paid $60 a month for months for nothing! Waste of my money! I cancelled and filed an appeal. Rather take my business to Banfield!!

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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