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

VETERINARIAN: Animal Hospital of Sebastopol

POSTED: | BY: Marcus

Pets Best is the best.

"It's always scary when your furry family member seems off because they can't tell you what's wrong with them. When our dog Indie started acting like she needed to vomit but couldn't, we took her into the vet right away. They did the usual tests and screenings and determined that she had eaten something she shouldn't have. They gave her some meds, a special diet, and sent her home. Aside from the worry of whether or not they are going to be ok there is the financial stress of it all. No one wants to say it out loud but I'm sure most people weigh the cost/risk scenario when considering taking their dog to the vet. Because of our Pets Best policy we don't have to think like that and always know our girl is going to get taken care of. It really is a blessing for our family."
5

out of 5

POSTED: | BY: Sue

Emergency

Pets Best handled my claim completely and in a timely manner.
5

out of 5

VETERINARIAN: RoseBird Veterinary Center

POSTED: | BY: Tami

Best move

Pets best was the best move these two retired fur parents made.
5

out of 5

POSTED: | BY: Phyllis Feldman

Reliable pet Insurance

My 7 year old rescue has of late had 2 serious issues that necessitated surgery. I opted to receive 80% reimbursement when I contracted with Pets Best. They reimbursed the correct amount to my bank in a fair amount of time. Over the years, other insurers have drawn out the process or just didn’t do as they promised. I am very pleased with Pets Best Insurance
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1

out of 5

POSTED: | BY: Erin

Huge Increase in Monthly Premium

We’ve been with Pet’s Best for about 6 years. Our monthly premium has slowly increased over the years as our pet ages which is expected however, this renewal year our premium doubled. We hadn’t had to ever file a claim before this last year which tells me our rate doubled because we actually filed claims for our pet. To me this is poor business practice. We have no choice but to continue with Pet’s Best since our pet’s arthritis would be considered a preexisting condition and would not be covered if we switched carriers. Due our monthly premium doubling in price this renewal period we have had to reduce coverage for our pet. Incredibly dissatisfied and disappointed with this company.
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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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