Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,136

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

VETERINARIAN: Dominion Veterinary Hospital

POSTED: | BY: Anthony

Best Insurance is Pets Best!

I've had Pets Best for several years now because I want peace of mind four my pups health. Our oldest has had surgery twice in 4 years. He is a teacup Yorkie. Both times surgery was our only option. The costs without insurance were over 10k total. Pets Best reimbursed us 90%! That is life changing! Knowing that our pup will always be safe and covered is worth every penny! Claims are easy and the process is completely transparent. The APP is easy to use and I couldn't be happier!!
5

out of 5

VETERINARIAN: Veterinary Specialty Center of Seattle

POSTED: | BY: Scott

Cancer

My dog was diagnosed with cancer two years ago. She had to undergo surgery, then radiation and then numerous CT scans. She has continued seeing an oncologist over the last two years to ensure the cancer doesn't return. Pets Best has been a lifesaver for us and for her. We've had nothing but a positive experience.
5

out of 5

VETERINARIAN: Berman Center for Animal Care

POSTED: | BY: Laura

Million dollar rescue dogs

Smith is my 3rd rescue, first to be insured. I did the math after my first passed away, over $10,000 in med emergency bills over 10yrs, and I'm not counting her sis that's still with me. Getting insurance for #3 was a no brainer. Injuries for him just started at 6, double knee surgery and a neck injury, and having Pets Best at my side has made these decisions quick and painless. Depending on how you set up your coverage and deductable is up to you. What can you afford? I easily upload my bills into the app and I not only receive notifications but emails as well. The team responds quickly when I have a question and your claim reimbursement is explained so you can understand it. It's been the best decision I've made. I truly feel some coverage is better than none, because you never know when an injury will happen, esp.in a multiple dog household. Rescue #4 was insured the day I picked her up.
5

out of 5

VETERINARIAN: MedVet New Orleans

POSTED: | BY: Peggy

Very fast claim processing

My dog had 3 different vet visits in 3 days. He was hospitalized after the 2nd. Claims were paid within a week and EOBs were accurate and easy to understand. Very pleased with quick turnaround,
3

out of 5

POSTED: | BY: Cecily Scovin

Decided to stop covering my cat’s heart disease

When they do cover stuff, they’re great. But I’m very frustrated that after two years of covering my cat’s heart disease, they THEN decided to declare it a pre-existing condition, even though she didn’t have a diagnosis prior to me having this policy. That part I’m very unhappy about. But when they cover other vet care, they’ve been great.
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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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