Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,502

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

VETERINARIAN: Veterinary Medical Center

POSTED: | BY: Amber

Seamless and fast

Petsbest was easy filing my claim and setting up reimbursement method. Great plan also. My only not perfect area was even with the highest coverage includong wellness, the biohazard waste disposal fee included with any vaccines is not covered. Just seems like it should be. Besides that everything's great!
1

out of 5

POSTED: | BY: Dara

Go elsewhere

My dog got injured after the injury date from falling down the stairs. Unfortunately at that visit I asked about a lump unrelated to her fall and we found out it was cancer and had to put her down. Pet Best decided that since she was injured WITH cancer not to cover anything - not her exam, not her x ray for the fall (no ligament damage), not her pain medicine for the leg injury nothing. They also didn’t cover the euthanasia since the cancer was so far. While I understood maybe the cancer- the unrelated leg injury from falling down the stairs was NOT a pre existing condition. They simply took advantage of the convenience of my dog being terminally ill. I would recommend using other insurance.
5

out of 5

POSTED: | BY: Jenna

Peace of Mind

I’ve used Pets Best for 5 years on all my dogs. It’s affordable, easy to understand the policies and they are always quick to respond regarding my claims. When my dog had to have emergency surgery, I was so relieved I had insurance! It was one less thing for me to worry about during a stressful situation.
5

out of 5

POSTED: | BY: Ruth

Easy-peasy

It was easy to file my claim. The most difficult part is remembering to file my claim. Pets Best processes claims quickly and efficiently
5

out of 5

VETERINARIAN: Westfield Veterinary Group

POSTED: | BY: Elaria

First Time Pet Insurance User

My one-year-old cat, Mozzie, was unfortunately diagnosed with FLUTD after experiencing sudden and unexpected symptoms that required an immediate trip to the emergency vet. During his visit, several tests and procedures were necessary to properly diagnose and treat him, and as many pet owners know, emergency veterinary expenses can add up very quickly. Thankfully, Pets Best made an incredibly stressful situation much easier to navigate. After I paid for Mozzie’s ER visit, they provided prompt assistance with my claim and processed everything with an impressively quick turnaround time. I also greatly appreciated the clear and detailed breakdown of the covered expenses, which made the entire process easy to understand. Having reliable pet insurance during an unexpected emergency gave me significant peace of mind. I’m very grateful for the support and service I received from Pets Best and would confidently choose them again.
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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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