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: Grace Park Animal Hospital

POSTED: | BY: Robert

Old dog with lots of issues

My dog has had his fair share of issues. Over past 5 years or so he has had neck surgery, and TPLO surgery on both knees. Now he's is dealing with typical aging issues. Through it all pets best has been great in meeting their commitments. They were also great to deal with for my other dog whom passed away in late 2024. Would highly recommend for peace of mind.
5

out of 5

POSTED: | BY: Lisa

Pets Best - Best Insurance

Pets Best was very economical for us to when another company raised our rate quite a bit at renewal. And when our beagle had a very serious health issue and was hospitalized back and forth for almost 2 weeks but did not survive, Pets Best was seriously the best. The reimbursement process was simple and timely. If I had to choose again, I would choose Pets Best.
5

out of 5

VETERINARIAN: South Fork Animal Hospital

POSTED: | BY: Michele

Ease of claims

Pets Best has been great for the claims I’ve had with my dog Simba. He has allergies that affect his eyes and when I take him to the veterinarian and then submit my claims. They are easy to submit and I get paid back rather quickly.
5

out of 5

POSTED: | BY: Debra

First claim

"I submitted my first claim and heard back from Pet's Best almost immediately. It was so easy to file online. I already received a check ( I'll sign up for direct deposit now) and it reimbursed me for almost the whole amount of my vet's visit. What it did not cover it explained why which I already knew from reading my policy. "
5

out of 5

POSTED: | BY: Janilynn

My Bandit

Pet Best coverage are outstanding.My claim was quicker with precise claim resolution and highly accurate results.I was happy and satisfied for every claim with efficient claim experience..They always inform the status of you claim if they receive it and when approximate check refund will be on your account.Good Job .
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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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