Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,546

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: Banfield Pet Hospital

POSTED: | BY: Delmar

Pet Insurance Policy

My dogs is developing arthritis in his front joints and requires frequent injections in order to treat the symptoms. The injections are expensive but are covered under our insurance policy. Currently the costs are applied towards our deductible but once the deductible has been met we receive reimbursement for most of the costs. Getting our pet insurance several years ago with Pets Bests was a very smart decision on part. The policy has been a great help towards reducing surgery and treatment related expenses.
5

out of 5

VETERINARIAN: Whitestone Animal Hospital

POSTED: | BY: Alisa

Pets Best IS Best!

Pets Best has exceeded my expectations and I highly recommend them for pet insurance. Their customer care is prompt, professional, and complete. Their website and app are easy to navigate and I really appreciate their service. It's been money well spent!"
5

out of 5

VETERINARIAN: The Complete Pet Animal Hospital

POSTED: | BY: Victoria

Great pet insurance and claim process

Using this pet insurance and filing my claims were simple and reasonable.
2

out of 5

VETERINARIAN: Westside Animal Hospital

POSTED: | BY: Jayson

Absolutely pathetic

Every time I submit a claim they say that they need more information and can't process my claim. Half the stuff that I submit for a claim they deny. I've been waiting almost 2 weeks for a refund and they keep saying that they need more information when the app won't even download on my phone. I've had countless problems with their app. I'm done. I'm about to just switch insurance companies.
5

out of 5

POSTED: | BY: Ginger

Illness claim

Pets Best worked surprisingly well. My pup was vomiting for over 24 hours so I took him to the vet. Based on the vet's experience and my dog's symptoms, he just treated the nausea rather than doing a lot of exploratory procedures. I was worried that the insurance would not cover it since there wasn't a cause determined, but they did (towards my deductible). The claims process was very easy and the communication was clear. I did a lot of research before purchasing this policy and it worked as well as I had hoped.
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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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