Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,732

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: Thomas

Happy with Pets Best

I knew that I had a deductible to pass before I would get reimbursed. I wasn't sure what % I would get back, either. I was happy to see the amount that I will get back. Thank You Pets Best Tom
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5

out of 5

POSTED: | BY: Yulia Bell

Good insurance

Pets Best insurance is very responsible company. Every request was answered in timely manner. I'll enroll my second pet next year after good experience with first one.
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5

out of 5

POSTED: | BY: MaryAnn

This Pet insurance is the best

This Pet insurance is the best, They have been taking care of Munchkins health needs for over 10 years.
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2

out of 5

POSTED: | BY: Zubair Jeewanjee

Dont buy. Sneaky fine print.

Ive been paying pets best for years and luckily have never had a emergency claim but scared if I do because of hidden fine print. I pay $175 a month (after increasing my deductible) and the insurance doesn’t pay for even 50% of most my regular maintenance bills if at all. Claims is quick which is nice but benefits are scammy, and restricted with tons of fine print. Without notice they changed my rate as my dog got older which seems ridiculous cuz i had been paying into the plan for years and should have been built into the original cost. Found cheaper better coverage alternatives in the market so shop around before buying w petsbest. I cant switch my policy now cuz my healthy dog is 12 now, but pets best is not worth the value. Had I saved that money since I started the plan I would be way up in cash in hand w ample leftovers for an emergency should one, god forbid, occur with my dog down the line. Save every month or buy somewhere else.
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3

out of 5

POSTED: | BY: Jane

I am happy with Pets Best help and…

I am happy with Pets Best help and communication. I am not sure that the amount of reimbursement is as good as other pet insurances??? It seems like a little more should be covered but maybe my expectations are too high!
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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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