Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Stephanie

Fast claim

My pup became sick one night after vet hours, so I took her to the emergency vet close to us. She was diagnosed with pancreatitis and needed to be hospitalized for treatment. They required payment in advance of $3500. I was able to move money around to cover it but needed to get money back as soon as possible to not incur fees. I filled the claim once I had the final bill and notes from vet on the day I picked up my baby from vet, Sept 29. I uploaded the documents in the app and watched it for processing. On Oct 2 the claim was approved and payment was sent. My bank account showed payment on Oct 8th. This is much faster than prior claims! Thankful for being able to get the claim taken care of so quickly. This is exactly why I wanted this coverage!
5

out of 5

VETERINARIAN: MedVet Indianapolis

POSTED: | BY: Sherman

Responsive and Direct

"After I couldn't figure out why my invoice kept getting denied, I finally called customer service. The person explained exactly what was needed to show on the invoice. I called my vet, and they gave me an updated invoice. I uploaded it to Pets Best, and after that, it was quickly taken care of. Very happy it was finally approved, like it should be. Thank you."
5

out of 5

VETERINARIAN: Animal Dermatology Clinic

POSTED: | BY: Valeria

Peace of mind!

I love how easy it is to file a claim with Pets Best and how quickly claims are reviewed and approved. The only small improvement I would suggest is faster direct deposit for reimbursements, since it usually takes a few days to arrive. Having pet insurance gives me peace of mind knowing I can afford to get my dog the best veterinary care possible without worrying as much about the cost. That peace of mind is priceless!
5

out of 5

VETERINARIAN: VEG ER for Pets

POSTED: | BY: Jennifer

Scout Dog

My pup, Scout, was attacked by a bigger dog a few years ago. Since then she has had multiple medical issues that have been very pricey. I am not sure I could have made the same choices I have been able to make if I didn't know I had Pets Best to back me up. I will forever be grateful for Pets est for giving me peace of mind and more time with my girl!
5

out of 5

POSTED: | BY: Jamie

Pets Best has literally saved Frankie's life

"Frankie has had Chylothorax since hid diagnosis at around 2yrs of age. The resulting surgeries were successful, however the condition damaged his heart and this last New Year's, at 5yrs old, he started showing severe signs of heart failure. He is now on lifelong, life saving heart medications that are very expensive. Pet's Best has literally saved Frankie's life, 1st during the initial diagnosis and treatment, then the resulting damage to his cardiovascular system and now with his ongoing lifesaving medications. Frankie is loved by an incredibly large fan base across the US and Canada and we, his family, and incredibly grateful to Pet's Best for allowing us to keep him living his best life."
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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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