Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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

POSTED: | BY: Kim

Almost a 5 out of 5

Your website is easy to navigate and your claim submittal process is straight forward. Only minor complaint is the speed of handling claims - it isn't bad but it also isn't worthy of a 5 rating.
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5

out of 5

POSTED: | BY: Sandra Gray

Pets Best has been great

Pets Best has been great. Good explanations on reviewing my cases and reimbursement is in a timely manner. Also very nice how they keep me updated on how my claim is progressing. Would highly recommend.
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5

out of 5

POSTED: | BY: Hank

This is the third time

This is the third time, unfortunately, we have had to use our insurance. We could not have chosen a better insurance company than Pets Best. Their response is painless, supportive and just flat out amazing.
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1

out of 5

POSTED: | BY: Maxinevv

It’s taking to long to get reimbursed!

It’s taking to long to get reimbursed!
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1

out of 5

POSTED: | BY: Kenneth Luschei

It is frustrating to understand how…

It is frustrating to understand how this insurance works. I brought my dog home from the breeder in Missouri and decided to get pet insurance for him in case anything happened. He was having some bowel/vomiting issues after a week or so of being with me. I decided to get him checked out but I was still in the waiting period so I went to the vet but did not send in a claim since it had not been at least 2 weeks. He was still having some issues so I went back to the vet 2 more times over a 4 week period. I spent close to $1000 dollars for tests and sent in those 2 claims. I expected at least some of them to be covered because it was well after the waiting period. I ended up receiving only $40 back for a vaccine since I had wellness coverage but all the other tests were denied for reimbursement because it was considered a pre-existing condition. What is the point of having the insurance if you wont cover anything?
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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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