Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,143

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: All Pets Hospital

POSTED: | BY: Alondra Lebow

Coopers first Vet visit check

We recently got a Golden doodle pup and took him for his first vet appointment with us to get his vaccine updated and a wellness check by the vet. Paid a little over $240 in total then submitted the claim that same day for cooper since my co- pay is $200 so I made that line mark. Have 80% refund amount so in leas than a week I heard back and got approval for $170 refund amount! Overall easy to submit a claim and got a check in the mail easy to deposit as well. First time getting dog insurance and couldn’t be happier with PETSBEST! Definitely recommend it to anyone who has fur babies !
5

out of 5

VETERINARIAN: Bodhi Animal Hospital, A Thrive Pet Healthcare Partner

POSTED: | BY: Andrell Bower

PetsBest is pretty good

I’m so glad I got pet insurance soon after adopting my dog. He’s always getting himself an illness - a doggy cough here and eating something inappropriate there. I of course wish I could get authorized and pay a copay instead of pay up-front and get reimbursed. But I never have problems submitting a claim and getting reimbursed, and I take better care of my dog knowing I will get some money back.
5

out of 5

POSTED: | BY: Demi

I don't know where I would be without them

They cover so much of Bowie's vet bills that I don't know where I would be without them. They cover all of his medications as well. When it comes to processing claims, they could be better at showing in the app what documents you have submitted with the proof of photos. Sometimes, when there is an issue with a claim, I'm not sure what I have uploaded to their system and what I haven't. Therefore, it takes longer for his claim to be processed. However, they sent the check within a week for his very helpful claim. They even allow your money to go back to your Care Credit account, which I find fantastic because it makes paying it off faster and more efficiently. The only thing that I don't like is that if I had to stop paying for his insurance due to financial difficulties, they wouldn't pay for his pre-existing conditions anymore. So, I could never leave him even if I'm in financial crisis because of the fear of not being helped to pay for his pre-existing conditions.
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4

out of 5

VETERINARIAN: Banfield Pet Hospital

POSTED: | BY: Amina Toujani

Pets best are simply the best

I’m very happy with my choice of pet insurance provider. It gives me peace of mind in case of illness or accidents. The process of submitting claims and the time and transparency of treatment are very satisfying. I would definitely recommend Pets Best to other pet owners.
5

out of 5

POSTED: | BY: Lindsey Lyeda

PetsBest is...the Best! 7 years and counting.

I've been with PetsBest for 7 years with my little guy. So grateful we signed up for insurance, because he ended up having some health issues, and they have been with us every step of the way. Never had a single issue even with complicated claims, multiple specialists to keep track of, and multiple ER visits. Occasionally, we have a delayed claim, but they keep us informed. We have never had a claim denied. Our rates rise every year, because my little guy has serious health issues at this point and is now ten years old. But, that's expected and understandable. They have saved us tens of thousands of dollars. I'm okay with increased rates. So grateful for them and glad I chose them when I adopted my guy. The very few times I have contacted customer service, they have been quick to respond, active listeners, and immediately understood what I needed.
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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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