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

VETERINARIAN: Weston Veterinary Hospital

POSTED: | BY: SUSAN

Pets Best Worth It

My 1 year old german shepherd was vomiting abd not earing, losing weight my vet got her in right away. Did a lot of tests. Treated for GI upset. I had a follow up to test for Addisons disease which thankfully was negative. I submitted both claims, and had a response within a week and payment for both claims within 3 days of the response. Its better to have insurance and not need it than having a huge bill or worse not being able to help your animals. I never want to be in that position of making a decision because of the cost I know Pets Best has our backs.
5

out of 5

VETERINARIAN: Myrtle Grove Animal Hospital

POSTED: | BY: Marcela

Health comes first

Happy to have made the decision to purchase health insurance for my puppy, he received the professional care he needed and my wallet received support.
5

out of 5

VETERINARIAN: South Hyland Pet Hospital

POSTED: | BY: Abby

Diabetes Diagnosis

I took my wonderful cat to the vet with an issue of him peeing outside the box. Expecting a diagnosis of “he’s all fine just a weird cat” like normal, and a relatively cheap vet bill, it was unfortunately a very different situation. After an examination of urine and blood it was shown that my poor baby had diabetes. I was presented with a vet bill of $1.4K, and then an additional follow up appointment quote for 1.1k. With his Ketone at the level they were I was also presented the possibility of an emergency vet visit in the chance he got ketoacidosis, which could have ran me close to 10k. This is a total that immediately sent me into a panic, but I showed the vet I had pet insurance and I was holding it together until she read that EVERYTHING would be covered through my insurance. I started crying out of joy knowing that I could get the expensive care my angel needed without a VERY large financial burden on my shoulders. Now me and my kitty are both happy, he has his meds he needs, and instead of vet bills we get to spend that money on SO MANY cat toys.
5

out of 5

POSTED: | BY: Liz

Glad to have

I am glad to have Pets Best insurance. We purchased the insurance for our poodle puppy because we know how expensive accidents and illnesses can be. 6 years later, we have had one major claim and several more routine claims. Pets Best has always come through. Claim are easy to file and are paid promptly. We have peace of mind knowing that even with a major claim, we can afford to take care of our pet.
5

out of 5

VETERINARIAN: Whitestone Animal Hospital

POSTED: | BY: Danya

Great Experience for Two Years

I have had Pets Best insurance for two years, and I have consistently had great experiences with the claims process. It’s easy, straightforward, and fast. My most recent claim was processed and paid in less than a week! I have never had to question, dispute, or argue over a claim, which has given me a lot of confidence in having Pets Best for my pet’s insurance needs. I highly recommend 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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