Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,466

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: Debra

Deb Olson

I am blown away! Unbelievable claims processing. I researched for a year before deciding on the breeder to purchase another rottweiler. He is an amazing dog from an amazing line of champions. Unfortunately he was diagnosed with hip dysplasia. Which entails rehab and visits to his vet. You have never waivered in paying his claims. I am forever grateful. Thank you.
5

out of 5

POSTED: | BY: Diana R

PAID

First time I filed a pet claim, so I didn't know if it would be a hassel -like "human" insurance, where they don't want to pay. However, they paid, filing claims is easy online. Only complaint is that processing the claim was over a month. They did send an apology email about having too nany claims and not enough processors. Still, they were a great help to me when my puppy hurt his tail. I think a few of the bad reviews are due to the client not reading what the policy covers. For example they are very clear that they do not pay for ligament strains due to accidents.
4

out of 5

POSTED: | BY: Mona M

There when you need it

I have always wondered if the expense was worth it, until my dog, fairly healthy, experienced some major health issues over a period of eleven months that eventually took her life. The knowledge that she had health insurance, that I had assistance that would allow me to make decisions without having to consider cost, really helped during this very stressful and difficult time. When I had to contact Customer Service, the representative was fantastic, supportive, compassionate and sincerely empathetic.
5

out of 5

POSTED: | BY: Sandra G

Positive Experience

Our little dog ate something in our yard that made him very sick with non stop vomiting and then bloody diarrhea. It started in the middle of the night on a weekend so we had to take him to an emergency 24hr hospital and then to his regular vet. The cost with meds, x-rays, blood work and care came to over $1200. We had some of our deductible left but once that was satisfied Pets Best paid out 90% of the total bills no questions asked! We were so grateful and pleased with their service. They provided a complete breakdown of of the payment which made it very easy to understand. We couldn't be happier with our choice of an insurance plan for our pup. Thank you Pets Best!
5

out of 5

POSTED: | BY: Jocelyn Armstrong

Easy peasy....

The instructions on the website were very easy to follow. They kept me abreast of the whole process up until I received my check. Great experience.
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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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