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: Melissa

Great company to work with

We debating on getting insurance for our puppy, and we are so glad we did! We have had a total of 3 claims, and no problems getting them processed.
5

out of 5

POSTED: | BY: Tessa Prewitt

Fastest reimbursement I have EVER received!

I am amazed at how quickly my wellness claim was processed and my reimbursement received! I fully expected at least a week to go by before receiving anything, but it was only TWO DAYS and my claim was reimbursed by direct deposit to my account! Uploading my documents was a breeze and the entire process was extremely smooth and fast! Thank you for your excellent service! I will most definitely be recommending Pet's Best to my friends!
5

out of 5

POSTED: | BY: Rich Pomon

Better than Human's Insurance

I wish my heath insurance was as easy and efficient as this insurance is. From leaving the vet to having the money deposited in my account was 4 or 5 days. No argument on what is covered and what isn't. It is made very clear and they pay you. What a pleasure to deal with!!
5

out of 5

POSTED: | BY: Jennifer Hellstern

Compassionate and Timely

Over the years of our dogs life, we have submitted claims to Pets Best for a myriad of medical claims. We have always found the claim submission process to be extremely easy to use and understand and extremely timely in their processing claims. Most recently we have begun managing a terminal illness for our dog and have had much more frequent and in depth contact with Pets Best. Every time I have spoken to someone regarding a claim, or an anticipated expense, I have been treated with kindness and compassion. Every representative has spent quality time with me on the phone to ensure that I understand the policy to the best of my ability and that they are doing their best to cover whatever expenses possible to help care for a dog. They use our dog’s name every time we speak, and before we hang up every time always wish us luck with his treatment. In a trying time, to not have to fight for reimbursement and to be handled with compassion makes a difficult situation a bit more bearable.
5

out of 5

POSTED: | BY: Susan R

Claim was processed quickly

Claim was processed very quickly

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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