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.
5

out of 5

POSTED: | BY: Deidre Tharp

Happy Customer

Pets Best's website is easy to navigate and filing claims after my Bourbon visits the vet. All the claims are reviewed in a timely manner. The prices of the insurance offers is reasonable to me as well!
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5

out of 5

POSTED: | BY: Ellie Schepp

Love Petsbest they pay claims fast.

Love Petsbest they pay claims fast.
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1

out of 5

POSTED: | BY: Jodie Brodack

Loved Pets Best when I started out…

Loved Pets Best when I started out until I started having claims. Recent claims are for a dog that is older. But, I am paying for that!!!! His most recent wellness visit resulted in the vet finding a UTI. You processed it as the reason for the visit then denied half of the wellness benefits (the urinalysis and bloodwork). So, does this mean that you will continually deny the bloodwork and urinalysis from wellness visits (their annual check ups) if the vet happens to find something? In addition, he has been having a reoccurring muscle soreness in his back legs resulting in limping. each time we brought him to the vet. there was no real diagnosis (which is stated on the title of the claims I submitted) and you denied the medication and vet visits saying that it was a pre-existing condition. Yes, he had a muscle strain previous to me starting his policy. But, they are random. The muscle would heal, just as in a human who strained something because they ran to long (which is what he did). Then you might pull another muscle in the same area, just like he did!! So, does this mean every time he has any issue with his back legs, you will deny the claims because he has had some kind of issue before? The vets have clearly said that there is nothing wrong with his joints, tendons or other. Just strained a muscle. could even be a different muscle in the leg. But you will now consider anything related to that leg as preexisting. Will likely cancel all policies.
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5

out of 5

POSTED: | BY: Irv

3 year Anniversary of excellence

Going on my 3rd year with Pets Best for our sweet mini Goldendoodle. Never a problem or hesitation in Pets Best communicating effectively, honoring and paying the claims that we submit.
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3

out of 5

POSTED: | BY: Christine Madeo

For the most part they are great but it…

For the most part they are great but it takes usually about 30 days to get reimbursed and I know people using other insurance companies for the same price that get reimbursed within 2 days. Other than that, no issues.
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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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