Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,695

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: Gina

Quick, easy & painless

We've been members since 2009 and have 2 dogs currently under Pets Best and we've had nothing but positive experiences and believe me we've had many interactions with them. One of our dogs shattered his femur, another had serious digestive problems, and our other dog liked swallowing toys which required surgery & other methods of removal. Each claim was handled professionally and in a timely manner - I'd definitely say their process is quick, easy & painless. I've recommended them to friends. The plan's well worth the money! And as an added bonus they have the pet helpline that we've had to utilize a few times.
4

out of 5

POSTED: | BY: Jerry Bell

Doesn't seem like enough coverage for…

Doesn't seem like enough coverage for the premium I pay, and long wait to get anything back
5

out of 5

POSTED: | BY: customer

Best Decision Ever

I am so happy that I made this investment for my dog's protection. Everything is online, easy, and quick to pay once they have all of your pet's records from their veterinarian. I just got a 2nd dog and put him on immediately. Very reasonable and very responsive. Very happy client.
5

out of 5

POSTED: | BY: Merle MacFarlane

Quick and easy claims process is so…

Quick and easy claims process is so refreshing! Thank you Pets Best!!
5

out of 5

POSTED: | BY: Lauren Mantey

Our pups have had several significant…

Our pups have had several significant illnesses this year, and Pets Best has always been there for us! Filing a claim is so easy and we are always reimbursed quickly. We are so thankful to have Pets Best insurance, as they allow us to say “yes” to any test/procedures our pups may need!

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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