Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Barbara

Very easy to file-very fast payment

"I filed the claim and within two days I was notified, and a clear explanation of payment was given. I'm surprised, but very pleased with the speed of processing my claim, and payment."
5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: Gabriella

Life Saving Experience

Back in 2024, my cat, Clover, went missing while I was away on military orders. Despite the tireless efforts of my family and community to bring her home, it took two long months before she was finally found. A resident spotted Clover lying on the side of the road and contacted animal control. When they arrived, she was in critical condition and was immediately rushed to an animal hospital, where she was given less than a 50% chance of survival. She was severely malnourished, so weak that she couldn't even lift her head, and desperately needed a blood transfusion. She was eventually transferred to another hospital that had her blood type available. The veterinarians were honest with us about her prognosis. Even if Clover survived, there was a possibility of permanent neurological damage, and she might never be the same cat we once knew. But we weren't ready to give up on her, and neither was her incredible veterinary team. We chose to give Clover every possible chance to fight. We knew her medical care could cost tens of thousands of dollars, but thanks to Pets Best, we were able to focus on giving her the care she desperately needed rather than worrying about how we would afford it. My family was responsible for only a small fraction of the total veterinary expenses. Today, Clover is living proof of what can happen when a family, a dedicated veterinary team, and a pet insurance company all come together to give an animal a second chance. And as for the possibility that Clover would never be the same cat again? The doctors were right, but in the most wonderful way. She's even more affectionate, cuddly, and kitten-like than she was before! I will forever be grateful to Pets Best for helping us give my baby girl the fighting chance she deserved.
5

out of 5

VETERINARIAN: Great Brook Veterinary Clinic

POSTED: | BY: christine

Satisfied Customer

I've been a member with Pets Best since 2022. Submitting claims has always been easy and user friendly through the portal. I would say in the past 6 months, payments started being processed quicker which is nice. It's a relief to know that if something were to happen to one of my pets I can always get them the best care. I'll never have to make that tough decision of having to put my pet down because I can't afford the treatment which gives me peace of mind. I think if you have a pet, you owe it to them to provide them with a loving home and medical care. Getting pet insurance was the best decision I made for my pets. My employer started offering pet insurance at a group a group rate. I decided to stay with Pets Best because the other insurance had a cap on coverage (specific $ amount that they would only reimburse up to). I'm very satisfied and will continue having my pets covered by Pets Best insurance.
5

out of 5

VETERINARIAN: Manchester Animal Hospital

POSTED: | BY: Derek

PetsBest is an excellent choice.

Straightforward claims process with Timely payments. Very happy with the service I received from PetsBest after my 4 year old GSDs recent leg injury!
5

out of 5

VETERINARIAN: Canyon Pet Hospital

POSTED: | BY: Joyce

Where Have You Been?!

Easiest claims process EVER! I've had pet insurance for over 18 years and this is the easiest claim process that I've ever experienced! I'm SO glad that I found you!

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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