Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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.
4

out of 5

VETERINARIAN: Phillips Animal Hospital

POSTED: | BY: John

Excellent insurance except for one thing…

"I wish you would review your payment policies for prophylactic meds. I keep my Service Dog on NexGard and HeartGard Plus 12 months out of the year (pay for them 6 months at a time). Around $250 for 6 months or around $500 for the entire year. Your reimbursement is about $95 so not even a quarter of the total. I keep Hatsuko Chana Tatum on it to keep her healthy and so she does not get flea, tick, or heartworm related diseases."
5

out of 5

POSTED: | BY: Julie

Great Coverage and Excellent Prices!

"I love this insurance! The plan I have is the top of the line with the highest percentage of coverage. I have recommended this insurance to my coworkers, other I meet at the Vet Clinic, and more. The staff are so kind and very sympathetic to my baby's needs as well as mine. I would highly recommend this company to anyone who wants grat coverage at great prices with an easy and quick reimbursement turnaround. "
5

out of 5

VETERINARIAN: Gardens Animal Hospital

POSTED: | BY: Jodi

The Best Pet Insurance!

My young standard poodle was diagnosed at 16 months. There were lots of medical bills to diagnose and properly treat her. Fortunately I have Pets Best Insurance. They have been extremely responsive and covered everything as per my policy terms. I would highly recommend them and I will use them on all my future fur babies!
5

out of 5

VETERINARIAN: Animal Dermatology Clinic

POSTED: | BY: Dee

Immunotherapy is expensive! Thank goodness for Pets Best.

Our 125lb 3 yr old boy Koda was diagnosed with severe environmental allergens at 1 year old. He has to receive weekly injections of his tailor made immunotherapy we receive from his dermatologist of he is miserable with ear and skin infections. These yearly expenses can total in the thousands. Pet's Best covers all of his care at 80%, which is a tremendous lifesaver! I am so glad I had a friend tell me about this wonderful company when we adopted him at 10 weeks old and got the policy. He is a happy healthy boy now!
1

out of 5

POSTED: | BY: T Q

Pets Best reduced 4 line items on my…

Pets Best reduced 4 line items on my actual veterinary invoice by a total of $130 without my consent or any explanation. Their own website states they pay based on your “actual veterinary bill,” but they used their own lower amounts instead. I have filed complaints with the California Department of Insurance (CDI) and the Better Business Bureau (BBB). Do not trust this company.​​​​​​​​​​​​​​​​

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 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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