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: Clara G

Completely satisfied

I am and have always been completely satisfied with our decision to use Pets Best. We could not ask for any better to insure our fur babies. We have always received the best in service from them.
5

out of 5

POSTED: | BY: Luz R

Highly recommend

I have had a couple Of unexpected emergencies with my cat and every time I've had to file a claim pets best has been amazing with the process. I've received my payments without any problems , even with routine and wellness care. I highly recommend them and happy I chose them as my pets insurance.
5

out of 5

POSTED: | BY: Madeline M

Fast processing

I sent a claim the day after my cat had to go to the vet hospital for an emergency illness. The claim was processed and payment was sent to my checking account 3 days later!
5

out of 5

POSTED: | BY: Tracy C

No issues

I submitted my claim via online, with attached bill and dr referral. I heard back the same day that they would be reviewing it and would take up to a week. I heard back in less than a week. Received a complete summary of what was and not being paid, it was exactly what I expected as per my policy. Received a check via mail within a few days after that. Thank you for making it so easy and fast! Never had to talk to anyone, because there were no issues!
5

out of 5

POSTED: | BY: Terry S

Comforting to have an insurance plan

Lizzie Jean (a Goldendoodle) suffered gastrointestinal problems for several days around the holidays that included diarrhea and vomiting with red color in it. After multiple rounds of x-rays, blood test, fecal tests and physical exams nothing conclusive was found that was the source of her problem. The good news is after putting her on a bland diet for a week she has fully recovered and is back to normal. The bill for a relative minor problem was almost $1K. Thank goodness it wasn't anything more serious. Even though this is the 1st time in 2.5 years I have needed to use the insurance I know from past experience how expensive a serious illness can be for a pet. When you have a sick pet you don't care what the cost is to make them better but when the smoke settles it is very comforting to have an insurance plan which can help out. It is especially great when the claim submittal process and payout is a painless as it was with Pets Best insurance.

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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