Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Tina Aiello

After an appeal, they came through for me.

I was a new client and we'd only been insured for a month or so when Vinny suddenly stopped eating. I thought he was grieving the loss of his friend who had recently died from cancer. After ten days of not eating, I nearly carried him into the vet hospital (but he walked in); surprisingly, he had hookworms. Many tests were run on him bc all his levels were not normal. He was dehydrated and needed to be hospitalized for three days on I.V. fluids. I really thought he wasn't going to make it, but he did! The insurance company rejected payment at first bc of some confusion; however, after an appeal and another 6 long weeks of waiting for the review, they came through for me and Vinny and reimbursed us! I knew that was the right thing to do, but i honestly figured they'd be like every other insurance company: take your money and never pay out. But they came through and did the right thing. I am very grateful and would recommend them to anybody who has pets and can't afford huge, unexpected, life or death situation-type veterinary bills. I would hate to have to put my dogs down because i couldn't afford an emergency medical treatment plan.
5

out of 5

POSTED: | BY: Yvette McGarrigle

Pets Best is reliable and processes claims quickly.

Excellent! I have a piece of mind that my dog will be taken care in any situation because Pets Best is reliable and quick to process claims. With Pets Best, I can afford to give my dog the best care because I know they have my interest and my dog’s interest in mind.
5

out of 5

POSTED: | BY: Rebecca T

Friendly and helpful

We've been with Pets Best for over nine years, starting with one puppy. We now have three dogs insured, and you've always been wonderful to work with! The claim process is easy to do, payments are made quickly, customer service on the phone is always friendly and helpful. Thank you!!
5

out of 5

POSTED: | BY: Carey D

Very satisfied

I recently adopted a rescue dog. I needed info about Flea & Tick, Heartworm and allergies. My questions were all addressed. I filled out the claims form online and was very satisfied with the turn around.
5

out of 5

POSTED: | BY: Deborah E

Received payment within 10 days

The claims process was straight forward and I received my payment within 10 days and it was deposited directly into my checking account.
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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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