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.
5

out of 5

POSTED: | BY: Sue Carpenter

I’ve always had a great experience with…

I’ve always had a great experience with both my pups in having to use Pets Best insurance. Though it’s gone up in price this year, I wouldn’t be without it.
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3

out of 5

POSTED: | BY: Destiny Goolsby

I’m grateful for the insurance and…

I’m grateful for the insurance and lucky to have it. But, when putting in claims, it always takes forever to get. And that gets a bit frustrating.
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5

out of 5

POSTED: | BY: Bengt Bernhardsen

An insurance company that does what it…

An insurance company that does what it advertises! That’s uncommon! Good to work with and honest!
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5

out of 5

POSTED: | BY: Marilynn Gardner

Easy to do business with.

Easy to do business with.
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1

out of 5

POSTED: | BY: Elizabeth Arias Bohart

Horrible time first claim with pet best

I have several beloved pets in my life and usually go to UC Veterinary Hospital in Davis. I review several insurances and selected pet best because its affiliation with carecredit. This last has been tremendous help. Sadly this last Dec Veronica got a tumor removal, and jan 1 Bonny got her stomach distended due to gastritis. She was so scared for the fireworks, and she was hospitalized for 1.5 days. I paid the hospital and then I was out of the country for 3 weeks when petbest needed proof of payment, documents I submitted but they questioned. Because it was only me that need to call UC Davis and get a second proof of payment all got delayed. As up today I still getNO news on the tumor removal from Veronica ($569). They emailed several times asking for proof of payment with Bonny and I keep emailing them back that I am out of the country. Today they called and again I complain to them and in fact the agent says that now the 45 days will be longer because I did not send again the proof of payment. I got this insurance because its related to care credit that I am fun off, but if in the first claim since I got the insurance in June I have several problems with 2 claims maybe it is better to find another pet insurance as I want to be taking care of my beloved pets.
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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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