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

POSTED: | BY: Thomas Gerey

My pupper had to go to the emergency…

My pupper had to go to the emergency room twice within a short amount of time between visits. First I should have realized there would be a deductible that had to be reached. But I was pleasantly surprised Pets Best Health Insurance covered as much as they did of the second visit. Can't thank you enough!
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5

out of 5

POSTED: | BY: SHERILYN COTTRILL

Loss of my dog

The customer service representative was very kind when I reported the loss of my sweet little dog,”Penny”, to cancer.
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5

out of 5

VETERINARIAN: Alta View Animal Hospital

POSTED: | BY: Sonia Menzies

MsS

Excellent piece if mind for pet emergencies and claims promptly processed
4

out of 5

VETERINARIAN: Animal Emergency and Specialty Center

POSTED: | BY: Janina Gray

No reimbursement despite coverage stating there should be

I don’t understand why my claim has been declined. I provided you with everything you needed from the vet for the bundle, physical therapy sessions, including medical notes and itemized receipt receipts for each visit. All the other services I have filed claims for have been approved, but these three claims have been declined. I don’t understand.
5

out of 5

VETERINARIAN: East Atlanta Animal Clinic

POSTED: | BY: Melanie Ramey

A life saver and an absolute relief

I've had my dogs insured with Pets Best for 5 years now and I am just so happy with the service. The claim submission process is easy and fair. The one time I had a question about my statement of benefits I was able to speak with a live representative easily and get the issue resolved. My older dog recently had to have surgery and it was such a relief knowing she was insured and that I trusted Pets Best to be fair and transparent (and didn't have to worry about an insurance battle over coverage while dealing with a sick dog). They've truly been wonderful to deal with and I routinely recommend them to people.
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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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