Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,565

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: Kerrie

Good to have

I have insurance for 4 cats alot of my friends see the price and opt not to then ask about it once their pet is diagnosed with seizures or cancer. There is something called pre-existing and at that time it is too late to shop for pet insurance as it is not Obama care and none of the insurance companies will take pre existing conditions. So you need to make a decision before that illness comes into play and decide how you will handle those situations with your pet. Overall I'm pleased with my pet insurance with pets best and my vet likes them as well.
5

out of 5

POSTED: | BY: Carlyn

So Glad to Have Pets Best

Twelve years ago, when they were fun and adorable kittens I began investing yearly in Pet’s Best high-deductible health insurance plan for my terrible twosome. The cats were healthy during their first ten years and between the two cats I only had to make a few claims until 2020 when Zoe developed diabetes. Now Zoe meets her deductible every year and Pets Best has reimbursed us consistently for her many tests, insulin and emergency vet visits. Yesterday she experienced sudden blindness. Our vet referred her to a kitty opthomologist and I am arranging her first appointment. I’m sure the visit will be costly and yes, she is just a cat. But, she is a cat with health insurance!
5

out of 5

POSTED: | BY: Elizabeth Lopez

They respond so quick to my claims

They respond so quick to my claims
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5

out of 5

POSTED: | BY: Nicole P

Highly recommend PetsBest!

We have had our insurance thru Pets Best for almost 4 yrs when we got our mini golden doodle. It have been so easy to use the app and submit claims. Highly recommend to anyone getting a new puppy or dog!
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5

out of 5

POSTED: | BY: Breanna

The best - Pets Best!!

I have had insurance coverage through Pets Best for all 3 of my dogs for three years now, and thankfully have never had to file a claim until now. Prior to Pets Best, I had coverage through a different provider and I am happy to say that the claim process with Pets Best has far exceeded the claim process I have experienced with this previous provider! The process couldn't be made any easier! My dog recently came down with a bad case of Pancreatitis that landed him at the emergency vet hospital with a large unexpected bill. Within less than a week of submitting my claim online (which was super quick and easy with no headache involved - just uploaded my itemized invoice), Pets Best had already reimbursed me for the entire bill minus my deductible and co-pay with no questions asked. Even better, they did so through ACH instead of check which made it even faster. The full amount was in my account within 10 days of submitting the claim. I am so pleased with the service I have received with Pets Best and will be recommending them to everyone I know. From Oakley and I both, thank you Pets Best!
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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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