Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,713

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: HK

A Great Insurance Company

I have nothing but good things to say about Pets Best insurance. The coverage provided for my 3 yr old Cavalier is extensive and unmatched. Their rates are reasonable as well. The claims process could not be simpler, and they give you a number of ways to file a claim. They always stay in communication with you and are always available if you have a question. Highest recommendation.
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2

out of 5

POSTED: | BY: Rich Hernandez

Still on the fence about this policy.

Its a great idea and it covered some stuff. 1. You would think it covered all puppy vaccinations as they are preventive care. They only cover a few and up to a certain amount, and thats cause we went with the Best Wellness. As you get your first dog or cat you dont know how many different shots they require so, this policy seems like everything is covered. 2. Takes over 2 weeks to get reimbursed. Ive read other companies pay for all vaccinations/shots.
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5

out of 5

POSTED: | BY: John

Thank you

Thank you. Great coverage on my dog’s ER visit. Much appreciated. He’s doing better !
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5

out of 5

POSTED: | BY: Winnie

Easy Claim Process

When I adopted my little girl, I felt that we should get an insurance policy for her. My little guy before her got cancer and I had to borrow money to be able to help him. We didn't want to have to do that if this happened with my little girl. Then we got another baby...a bigger dog who was older and we knew the time was right. In order to be responsible furbaby parents, we knew we needed to be able to care for them. After reviewing other pet policies, Pets Best just looked really good for us.
5

out of 5

POSTED: | BY: Will

Great experience with Pets Best

After significant research, I enrolled our family's 9-year old pomchi for Pets Best earlier this year and I'm happy I did. She was experiencing some GI issues recently and we took her to a nearby Banfield Pet Hospital for treatment, which turned out to be a sizeable expense. Fortunately, the Pets Best claims process was fully digital and I was able to easily upload a PDF itemized invoice to the portal. The claims processing period was around 4 weeks, which was a bit longer than expected but understandable given the pandemic. I received the reimbursement via direct deposit shortly after approval, net of the deductible and co-pay. In short, I am very satisfied with the service I received and will continue to use Pets Best for my pet insurance needs.
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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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