Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,462

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: Jenny I.

True to Their Word

I highly recommend Pets Best. We had multiple claims for our one and a half year old dog who became ill and needed lots of testing and treatment, including a several nights' hospital stay. Pets Best responded quickly to our claims (in some cases saying they needed a little more time, but they kept us posted, which I appreciated), and they covered everything that our benefits policy said they would. It was a really smooth process from start to finish, and we received checks within a few weeks of submitting our claims. Also, several times throughout our dog's illness I called Pets Best with questions, and I always got a person on the phone--not a series of automated questions!--who was helpful and friendly. When we thought our dog might need surgery, someone helpfully talked me through the pre-approval process.
5

out of 5

POSTED: | BY: Jessica C.

Pets Best is truly the best

Pets Best is truly the best. We are truly blessed to have such great experiences with this insurance.
5

out of 5

POSTED: | BY: Mische

SO happy I have Pet's Best!

I'm so incredibly happy I made the choice to insure my 2 guys with Pet's Best. The price for insuring them is very reasonable and, of course, everything is just fine with them, until it's not... I have only emergency care insurance, so when something is wrong it's very, very wrong. This was my first going through a true emergency (UT blockage for a 3 year old cat) and it was incredibly stressful and expensive. $2800 before they would even admit him. But he's my guy and he was in pain so there was nothing to think about - he was going to be treated! Post-incident, submitting the claim was very easy and looking at my bank account, I see that I've been reimbursed by Pet's Best. Half of the cost has come back to me. What a huge relief. In every way... Thank you Pet's Best. I'm so happy I made the choice to use you guys!
3

out of 5

POSTED: | BY: Jennifer

I have been with PetsBest for 4 years…

I have been with PetsBest for 4 years now and while they have been a good insurance company as far as coverage for my dog, recently, it seems that their customer service and length of time for claim reimbursement is getting increasingly longer. I've never had to wait over a month for a reimbursement until now. It's kind of a bummer. Also, my rates have increased significantly (reasoning being my dog is getting older), but it's quite a hike year to year.
5

out of 5

POSTED: | BY: Kellee

PetsBest has covered everything without question

PetsBest has covered both of my dogs TPLO surgeries (about $4k a piece plus the cost of meds and rechecks) and also cover his continual allergy issues (he gets immunotherapy injections that are very pricey). Without PetsBest, we would be in debt over our dog. Thanks so much!

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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