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: Patricia Bloomquist

Fast response

My little pup got a little poisoned from a plant leaf , rushed to emergency , treated and is ok now. Pets Best was great on handling my claim . Very satisfied and with the peace of mind that I can count on Pets Best I don't have to worry about taking care if my babies due to high vet bills. I recommended to friends for their 2 dogs and they are also very pleased!
1

out of 5

POSTED: | BY: Michelle Breeden

Slow and little coverage

Our dog ran into something in our yard (we don't know what) and cut a deep gash in her side. We paid $1100 to our emergency vet to get her stitched up. After our $500 deductible and 80% coverage, we should have received about $450, but we only are getting less than $350. Iit's been over 30 days and we haven't received payment yet. Terrible.
5

out of 5

POSTED: | BY: Monica Flick

New customer and already used services - very impressed

I just rescued my pup less than 2 months ago and I am so happy I got the insurance right away. Don’t you know we have already had to use it! The claims process is easy and direct. There was even an oversight on one of the bills - so I called customer service and they resolved it extremely quickly and thoroughly. So far very impressed! I was burned by a poor pet insurance from a different carrier previously and I am really pleased so far. We have already met our deductible for the year - and I feel confident in their services going forward
5

out of 5

POSTED: | BY: Rick C

Quick and Efficient processing

Always quick to process and when something is not covered I always get a clear explanation.
5

out of 5

POSTED: | BY: mark obrien

Our puppy is growing up…

Our puppy is now entering his juvenile stage. All shots and immunizations are done for the year. Wellness care has done it's job and we feel more comfortable knowing that we have this protection in place.

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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