Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,511

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: Linda Laplace

Having Pet's Best Health Insurance has…

Having Pet's Best Health Insurance has made it possible for me to make the best health care choices for my pets without the fear of how will I pay for it. In past years I made health care choices for my pets that took me months to pay off. Recently I had to make life saving health care choices for my cat . I take great comfort in knowing that again Pets Best helped me make the best choice without the fear of a long term debt.
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5

out of 5

POSTED: | BY: Susan Kuker

Quick turnaround for payment!

My sweet dachshund got IVDD and lost function in her back legs. Time is important when this happens. I took her to the emergency vet and she had back surgery an hour later. She is still recovering but has full functionality. Pets Best took care of my claim fully and quickly. Thank you so much! Took away so much of the financial stress!!!
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5

out of 5

POSTED: | BY: Rebecca

Pets Best was the BEST decision we ever made

"When our dog was in a vehicle accident on Thanksgiving day it was such a relief that the decision to take him in was easy because we knew we had a plan through Pet's Best. Through X-rays we found he needed emergency surgery and in our small town they don't do those surgeries so we had to travel overnight (in a snow storm) to an emergency clinic. As they went over everything the bill was not the main concern and we likely would have had to amputate because of the cost of surgery for his multiple breaks in his leg. We are so thrilled to see our pup fully healed playing with his brother and our toddler who adores him! We are so grateful for the smooth process with claims and reasonable turn around time. I have recommended Pets Best to any of our family and friends with pets or looking at adopting a new pet. "
2

out of 5

POSTED: | BY: Nonya

Not so great

Honestly, not super impressed with PetsBeat. I only stay with them because if I change companies my dogs preexisting conditions won’t be covered. It takes several weeks for claims to get paid - even ones that are regularly occurring. One of my dogs gets a shot monthly and every time I get an email like 2 weeks after submitting claim saying they are reaching out to my vet for more info. What could they possibly need? It’s literally the exact same thing they approved the month before.
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5

out of 5

POSTED: | BY: Scott Wakimura

Simple and convenient

Making a claim is simple and convenient. Also payments are speedy. Thank you for all the help in taking care of our dog, it is much appreciated.
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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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