Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Gena

I am very happy with with Pets Best coverage for our pups.

I am very happy with with Pets Best Insurance! We have two young dogs and knowing we don't have to make important decisions about their health based on how we will pay for it is so great. The online portal for submitting claims is easy and fast and I get email updates on the status of any claims. We will never adopt a new furry family member without PB.
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1

out of 5

POSTED: | BY: Darlene Intravesato West

We are very disappointed and frustrated…

We are very disappointed and frustrated that the medication used to treat our dog's giardia is not covered. While I understand that the medication CAN be used to treat worms (a wellness condition) it is also used to treat other illnesses, such as giardia. According to our vet, this prescription was the best and most effective prescription to treat our dog's severe case of giardia. It makes no sense that our policy covers the illness but not the medicine to treat it. Our policy would have covered a more expensive, less effective medicine, since this alternative was not on your "wellness" medication list. When a drug can be used for numerous conditions, including ones that ARE covered, it should not be labeled as a "wellness" drug. FOLLOW-UP-I submitted a letter appealing the decision and was told they that would NOT cover the cost of the prescription, very disappointing!
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5

out of 5

POSTED: | BY: Linda Jozwiak

This claim was processed MUCH faster…

This claim was processed MUCH faster than previous claims. I am very happy to have Pests Best for my dog Chewy.
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1

out of 5

POSTED: | BY: Jenny Kim

Waiting period is two weeks. My dog was sick during the first week.

I am new to pet insurance as we have been paying out-of-pocket for our dog’s medical bills for the past 13 years of his life. We decided to finally give pet insurance a chance as he was getting old and purchased a policy plan. The policy coverage guidelines stated the main important points, such as policy effective date, price points, coverage %, and eligible coverages. He became suddenly ill and we had to take him to the emergency vet, where they examined him and discovered an illness that had a very painful, low survival rate even with surgery. We ended up having to euthanize him per the doctor’s recommendation, to lesson his pain as it would only get worse by the seconds. The medical fees for that night ended up being $1200 and we weren’t able to receive a single penny and were simply told that there is a waiting period, which was stated amongst a long list of the policy’s notes. I wish they had stated that there was a waiting period at all on the main statements about our dog’s policy. I feel as if the waiting period defeats the purpose of having an insurance at all as we really never know when our pets will become sick or end up in accidents.
5

out of 5

POSTED: | BY: Edith K

Pets Best is the Best!

I have been with Pets Best since my dog 4 months old now he is 8 years old. So far I am very happy with the insurance services. It is very easy to file a claim as long as you have all the documents submitted online. No complaints, love it.
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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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