Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,139

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: Customer

Excellent Service

Incredibly easy to contact via the app, fast review of claims, and very reasonable outcomes. They've been a great support when I needed financial stability dealing with the unexpected that comes from having senior pets.
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5

out of 5

VETERINARIAN: Hill Street Veterinary Hospital

POSTED: | BY: Krystal Zinn

Very pleased

My 3 year old "pup" wasn't feeling well…took him to the vet… x-rays, fluids given, meds… pricey bill. Submitted it to Pets Best. Pup still was same next day, veterinarian wanted him better, so she wanted to see him right away. Another injection, more meds, another bill. Submitted that bill immediately. Met my deductible, had two checks from Pets Best a few weeks later. So thankful!
5

out of 5

POSTED: | BY: Valerie Levallois

Pets Best is absolutely wonderful. I’m so thankful

Pets Best has truly been the best experience. They have been there through the hardest situations pet owners can experience. When My dog was diagnosed with a tumor, Pets Best was there and alleviated one of my most difficult moments, and my dog would not be here today if it wasn’t for Pets Best. Looking for pet insurance is tricky because there are many options and taking a chance on one of them is all we can do. The claims process is very easy, my benefits plan is thorough and easy to understand, my explanation of benefits on my claims is easy to understand, customer service is super responsive, and I get updates on the status of my claims. I can’t think of any negative experience thus far and I 100% recommend Pets Best to anyone shopping for pet insurance. Thank you so much for being a wonderful insurance company!
5

out of 5

POSTED: | BY: Pet Owner

Expensive, but worth the peace of mind

We've had Pets Best for several years for our dog, and up until recently, we've not ever had to use it for her. We chose a high coverage and paid quite a bit for it, and while we haven't gotten a bigger return than our investment, it did help us navigate an unexpected large bill at one time that would have been very difficult to afford on short notice. It's not like a human health plan where rates are negotiated, it's more like auto insurance where if you have to use it, it's there to smooth out what could be a catastrophic cost, even though you pay for it along the way. It remains to be seen if there's enough financial benefit for this insurance, but it is worth the peace of mind for us, knowing that we have some assistance if an unexpected vet bill comes in from a surprise illness or injury.
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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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