Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,408

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.
4

out of 5

POSTED: | BY: Eden Toth

Pets Best is a great insurance policy…

Pets Best is a great insurance policy to have and I'm so thankful I purchased this for my female dachshund three years ago, she just recently was diagnosed with congestive heart failure, she is not doing well and I am truly heartbroken but I have peace of mind knowing that some of her medical bills will be paid with her policy.
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5

out of 5

POSTED: | BY: Carlee R.

Saved my pups life!

My dog needed emergency spine surgery due to an injury, having pets best pet insurance saved my little puppies life! He ended up having three spine surgeries in a matter of a week and pets best Insurance made my life so much easier! They have covered everything as agreed, super accommodating, very easy to use and quick turnaround! I would highly recommend this insurance company for your animal!
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5

out of 5

POSTED: | BY: Sybil Jahnke

As a new insurer of Pets Best Health…

As a new insurer of Pets Best Health Insurance, They are friendly, prompt and quick to do claims. I would highly recommend them to anyone looking for to insure their pets.
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5

out of 5

POSTED: | BY: Gary N.

I wish all Insurace companies treated…

I wish all Insurace companies treated their customers like Pets Best does. As long as I own a pet I will be a customer of theirs.
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5

out of 5

POSTED: | BY: Robert Irvine

I recently had to submit some…

I recently had to submit some significant claims because our dog had ingested a foreign object. It was comforting to know we had Pets Best Pet Health Insurance. We had Pets Best Insurance for another dog a few years back. Our claims were processed quickly and deposited directly into our checking account. Thank you Pets Best for your exceptional service and offering us peace of mind! Rob & LuAnn
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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. More information is available at checkout. 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. #200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. 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.

Abbreviated versions of the disclosure are available for marketing materials with limited space. Example:

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. For terms and conditions visit: https://www.petsbest.com/policy. Products are underwritten by American Pet Insurance Company (NAIC #12190), or Independence American Insurance Company (NAIC #26581), and administered by Pets Best Insurance Services, LLC, (NPN #8889658, CA agency #0F37530).

Additional UW Disclosure for Licensed Partners:

Pets Rule LLC (NPN: 19325415) ; In California under PETS RULE INSURANCE AGENCY (NPN: 19325415) CA license 6000647) is a licensed insurance agency. Pets Rule LLC does not underwrite pet insurance or pay claims but receives compensation on sale and/or renewal.

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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