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: Stuart Sound Animal Hospital

POSTED: | BY: Gina

Claims

They are awesome and never have any problems filling the claims. Customer service is always great.
5

out of 5

VETERINARIAN: Herriman Pet Vet and Emergency Hospital

POSTED: | BY: Stefani

Fast, efficient, and comprehensive

Having Pets Best insurance has been a game changer. It has saved my dogs life and my own financial security twice now. The coverage is very clear and comprehensive, and the claims process is so easy to do, fast to process, and deposits into my account within a week of submitting. I feel so relieved to know that I'm covered for almost anything my dog needs. I had what no pet parent wants, a medical emergency for my dog. After days of illness, she ended up needing immediate emergency surgery. Knowing I had insurance, I was able to feel calm and assured that no matter what, I could afford the life saving surgery and recovery for my dog. Thank you Pets Best for helping me keep my dog healthy and safe!
5

out of 5

VETERINARIAN: Best Care Animal Hospital

POSTED: | BY: Dani

Easiest Peace of Mind

Nugget was getting beat up by Mother Nature and needed an allergy shot. Popped in my receipt and had a response within 2 days - no payment due back, but chipping away at my deductible just in case. I LOVE the peace of mind this insurance gives me in the event anything unforeseen happens to my lil guy. It's so easy and fast - I recommend to everyone.
5

out of 5

POSTED: | BY: Kate

Pets Best is highly recommended!

I have been a customer for many years and unfortunately, have had several claims for multiple dogs with health issues. The Pets Best process is very easy to file claims and the reimbursements have been fair and very timely. I recommend this pet insurance to many people!
5

out of 5

VETERINARIAN: Aspen Veterinary Clinic

POSTED: | BY: Larry

Harry's paw

All was taken care of in a timely manner, I was a bit disappointed in the $500 deductible, but all is ok.

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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