5
out of 5
POSTED: | BY: Julie Miller
Always there when we need them
Every claim we have ever submitted has been fairly reviewed and paid. Read your policies!
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.
5
out of 5
POSTED: | BY: Taneisha Floyd
Helpful and pretty quick turnaround.
Helpful and pretty quick turnaround.
5
out of 5
POSTED: | BY: Michelle Puleio
Great app & easy claims submission…
Great app & easy claims submission process!! Plus great coverages :)
3
out of 5
POSTED: | BY: Kristi Smedley
My dog was recently neutered and he had…
My dog was recently neutered and he had a non-descended testicle. As such the surgery was more expensive than a straight forward neuter. It included abdominal surgery as well as a routine neuter procedure to remove the descended testicle. The surgery costs appear to be restricted to a typical neuter cost. I have been on hold 25 minutes to attempt to discuss this with customer service, and I still have no response.
1
out of 5
POSTED: | BY: Mike Lahana
No Empathy
I've been with Pet's Best since 2016. Never needed anything; I submitted maybe 2 small claims for standard vet visits and routine meds over the course of that time, which just went towards the deductible, so nothing that was ever a chance to see any financial assistance. When I finally did need them for major surgery, my claim was denied with nothing more than a message that said "check your policy". The technicality was that I had changed the type of plan she was on, and she must not have been on it long enough for her to qualify for assistance. When I went to express my concerns, I was met with another impersonal message with no hint of empathy for this incredibly expensive surgery. Tough that I sunk over a thousand dollars in premiums into this company to get literally nothing in return. I hope they use the money to hire someone who cares.
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.