Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,162

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.
1

out of 5

POSTED: | BY: Maria Z

Save your money—They don’t want pay claims

Not worth it. Submitted a simple claim from an accident my dog had and they wanted more information. I’m not sure what else they wanted when I submitted EVERYTHING from the event. Obviously this company just overcomplicates things so they DONT have to pay. I heard that about them but I thought I’d give them a try first. So not worth. Switching to Nationwide.
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5

out of 5

POSTED: | BY: Victor

Excellent service

Excellent service. I have never had any issues after years of service.
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5

out of 5

POSTED: | BY: Tailor Mayde Photography TMP

Everything was covered!

Our dog got into the garbage and needed an ER visit which is never cheap. This was our first time needing to use our insurance in the year and a half we've had it. It was so easy! And from nightmare stories I have heard from friends regarding pet insurance, I was really expecting Pets Best to come back with "well this isn't covered and this isn't covered". But that wasn't the case at all. I sent in the requested paperwork, received and confirmation email and then within two weeks, everything was done. Certainly glad we went with Pets Best! I am a dog photographer with a decent size following so I will definitely be sharing my experience with my clients!
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1

out of 5

POSTED: | BY: Taylor Malloy

Takes way to long to get returns

Takes way to long to get returns. I’ve submitted about 4 now and each have taken over a month to see any kind of return and when it finally comes, it’s not much. I’ll likely end my pet insurance policy soon with Pet’s Best soon.
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5

out of 5

POSTED: | BY: Erik

This is the first time we had major…

This is the first time we had major expenses with our dog. I was very surprised with the reimbursement coverage and the timely manner in which we received it.
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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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