Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Jim Salyer

Do not expect any reimbursement

Little if any reimbursement cannot drop part of the policy very long tome for claim processing
3

out of 5

POSTED: | BY: Verified Customer

Not completely satisfied, could be better.

Takes about 25-30 days before you’re reimbursed for claims. Coverage is ok, not exceptional. Currently looking for better coverage for my toy poodle.
5

out of 5

POSTED: | BY: Mike Agnew

Our dog Jo has an ongoing shoulder…

Our dog Jo has an ongoing shoulder issue for almost 2 years Pets Best has been nothing but amazing in covering her claims. We’re not talking about a small claim either. Jo has a team of vets to try to sort out her lameness. I cannot thank PetsBest enough for making this such an easy process. Thanks PB Mike
5

out of 5

POSTED: | BY: Thomas L.

Jolie's Story

​Jolie's Story: If you would not spend a large amount of money to save your dog's life, you probably don't want to read any further. We took our 8-year-old shepherd mix to the Vet for a routine check-up. To our shock, he felt a lump on her thyroid gland that turned out to be cancerous. Our Jolie was a beloved ​member of our family and we would never fail to do anything we could to save and prolong her life. We are not a wealthy family, but can afford to spend a few thousand dollars to save our dog. Anymore would create a financial hardship, but I know for sure we would have not let that stop us from trying. We were blessed with the fact that a year prior, I decided to purchase Pet Insurance with Pets Best. After taking Jolie to Texas A&M Animal Hospital for treatment for Thyroid Cancer, they discovered a heart mass. To make a long story short, in a period of a few months both Thyroids were removed, open heart surgery, 20 days of radiation and five days of Chemo. The first bill from Texas A&M was for over 10 thousand dollars. I never hesitated to proceed, even though we had to pay upfront. We summited our claim to Pet's Best. I have to admit I was not sure how legit pet insurance was, as having never insured any of my dogs before. As stated in my policy they would have to investigate back many months to make sure Jolie had not been diagnosed or suspected of Cancer. Did they pay? We spent over 40 days at Texas A&M over a period of two and a half years, and she remained Cancer free. On May of this year she was diagnosed with a disease of the spine. After several tests to determine if surgery or any treatment would help Jolie....the answer was NO. By July she had fought her Final Battle. It is with tears in my eyes I write her story and I have always considered myself a tough guy. I have to Thank Pets Best for staying with us to the end. They may take a little longer to pay than you feel necessary, but pay they will. Jolie's medical bills were somewhere north of 30 thousand dollars and yes, they paid the lion's share of these bills. I highly recommend Pets Best so please do your pets a favor and purchase Pet Insurance for them.
5

out of 5

POSTED: | BY: Pamela Luiten

Excellent service

Excellent service. So happy we switched providers. We had insurance for our pets at another carrier and we were very unhappy with the expense we always paid, but never recouped.

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.

Get a quote today

Leave a review