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: Carey D

Very satisfied

I recently adopted a rescue dog. I needed info about Flea & Tick, Heartworm and allergies. My questions were all addressed. I filled out the claims form online and was very satisfied with the turn around.
5

out of 5

POSTED: | BY: Deborah E

Received payment within 10 days

The claims process was straight forward and I received my payment within 10 days and it was deposited directly into my checking account.
5

out of 5

POSTED: | BY: Kate Heberle

This is the most helpful, "BEST" pet insurance we have ever had!

We are just starting to deal with a very concerning issue with our 13 mo old puppy who seems to have suddenly developed MegaEsophagus without any of the usual symptoms. Discovered on X-ray when we took her in for decreased appetite and exercise intolerance. NO other symptoms! Now we will need to start the process of figuring out the cause and hope it's one of the treatable/fixable ones. Pets Best insurance claim process and quick response is one less stressor we will have to experience during this stressful time, for which we are SO very grateful! It's so hard dealing with your pet being sick and the last thing any pet owner needs is concerns re: insurance coverage and claims. We are very grateful that we read such great reviews and obtained this insurance and that they are living up to all their rave reviews!
5

out of 5

POSTED: | BY: David B

Made the claim process very easy

I especially was impressed how you divided the one claim into three based on my policies benefits. Made the claim process very easy.
5

out of 5

POSTED: | BY: Diane S

The first claim processed in 2 days

The first claim for routine care was processed in 2 days. 2nd claim for emergency visit has taken a week to process with no notification on status. Ugh

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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