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.
1

out of 5

POSTED: | BY: Jessica S

waiting over 3 months!

I have been waiting over 3 months for reimbursement on a $1500 claim. But my payments to insurance are NEVER late and I’ve never filed a claim prior. So frustrating when other insurance companies can reimburse much faster or pay the vet directly.
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5

out of 5

POSTED: | BY: Lou Plummer

Such a great experience

I was pleasantly surprised at the speed with which my claim was addressed. The amount of reimbursement was a nice surprise. I should have purchased pet insurance years ago but it’s really never too late.
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5

out of 5

VETERINARIAN: VCA Regional Institute for Veterinary Emergencies and Referrals

POSTED: | BY: Susan

Pets Best is Best

"My dog incurred 2 autoimmune disease diagnoses within days. It was scary and the bills kept coming in even in the diagnosis phase. Pets best was very responsive and when I have submitted claims, they paid back right away directly to my Care Credit account, as requested. I really am glad to have had this for my fur baby."
1

out of 5

POSTED: | BY: Joseph Burclaw

I can't even get into there website…plus, poor coverage

I can't even get into there website anymore, as they tell me "IT is working on it." (403 Forbidden Microsoft-Azure-Application-Gateway/v2) Plus, there coverage is awful, I have a special needs dog and they only pay for a small % of care. What is the point in paying premiums monthly if I can't get great coverage for my Lab? I will be going somewhere else.
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5

out of 5

POSTED: | BY: KDE

Recent claim

Recently we had to take our dog for an urgent vet visit. After submitting our claim, it only took about a week for approval and payment was direct deposited quickly. I did call in with some questions prior to filing claim, and customer service was excellent. Thank you!
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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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