Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,145

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: WNC Veterinary Hospital

POSTED: | BY: Shelby Talbert

We Really Trust Pets Best for Being Consistent and Reliable

Our dog has chronic liver enzyme issues which require daily medication (and which is 80% covered by our pets insurance). And recently, some of her other metabolic markers were off. Our vet wanted to run a battery of tests to rule out Addisons and atypical Addisons. Just as we have always experienced, Pets Best's process for submitting receipts was super straightforward and the reimbursement was equally straightforward and prompt: we are set up to receive reimbursements via direct deposit. We have had our dog for about 7 years now, and have been signed up with Pets Best for the whole time. Her premiums have gone up somewhat over the years, this is not particularly unusual as a dog gets older and needs more medical care. Still, I called in to customer service earlier this year to discuss our options to bring her premium down. The rep was very helpful - we ended up raising the yearly deductible a little bit and the premium came down by about $450! I wish other companies were as reliable and trustworthy as PetsBest. We are lifelong customers and fans.
5

out of 5

VETERINARIAN: Jornada Veterinary Clinic, A Thrive Pet Healthcare Partner

POSTED: | BY: Stephanie Common

Don't Hesitate

"I like how easy it is to file the claim, and my payment seems to come quickly. If you are on the fence, I highly recommend Pets Best! "
5

out of 5

POSTED: | BY: Anna Smith

Purchase the Pet Insurance!

Kalispell, or "Kali", is my husband and I's first dog together. She is such a lover but gosh - it truly feels like she has been involved in something crazy every other month. We secured pet insurance when we first adopted Kali just for peace of mind when entering this new phase of life but now - almost a year in of loving our Kal girl - we are SO grateful that we did. Accidents happen and things change quickly. Having Pets Best Insurance has been such godsent for us personally that we've decided to never own another animal without the security that it provides. Thank you! We are so appreciative!
4

out of 5

VETERINARIAN: Young's Animal Hospital

POSTED: | BY: Megan Witt

Easy and fast

Ease of claim and satisfaction with the amount refunded
5

out of 5

POSTED: | BY: Jersey Mike

Timely and efficient reimbursements

The company handles claims in a very timely fashion which is a rarity in that industry.
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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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