Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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

VETERINARIAN: Banfield

POSTED: | BY: LaToya Shepard

Pleasantly Surprised with Pets Best

I filed a claim with Pets Best and received a decision in 17 days - way ahead of the typical 30-day timeframe. Pets Best even took the time out to apologize for the delay a few days before that. I didn't think there was one! My claim was accepted. I've always heard horror stories of people haggling with insurance companies and having their claims drawn out over long periods, but with Pets Best, it was so easy and quick. Thank you to all at Pets Best for your graciousness.
5

out of 5

VETERINARIAN: Tufts Veterinary Emergency Services

POSTED: | BY: Alan Keller

Ruptured Anal Gland

"I was out walking my dog Otis and noticed a ball like substance on his anus. I showed this too my wiife and while she was inspecting this substance it exploded all over her. My pet Otis had suffered a ruptured Anal Gland that abcessed and exploded. We rushed him to Tufts Veterinary Emergency Treatment in Walpole MA and We waited 4 hours as the physicians treated him and cleaned up the infection. They administered him IV antibiotics and Gabapenten for the pain. They had to sedate him to perform their work. We were sent home with pain medication and a 2 week supply of antibiotics. Needless to say the bill for services and treatment was eye popping. The following morning I submitted my claim to Pets Best and they processed it immediatly. Thank god for having a great Animal Hospital in my location and for Pets Best for their incredible insurance coverage. Happy to say Otis is now healed and is acting like his old self."
5

out of 5

VETERINARIAN: Sugar Creek Animal Hospital

POSTED: | BY: Stacey Finnegan

Efficient

I submitted a claim and within a week the money was in my bank account.
2

out of 5

POSTED: | BY: laura signore

Rates Doubled at Renewal

Coverage was affordable for a fairly decent plan, but once the one year policy auto renewed it literally DOUBLED in price. This is obviously a power move for them, because if you switch insurances any previous ailments are not longer covered by new insurance due to be pre-existing. I would look into another company for Pet Insurance and get data about their average annual rate increases.
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5

out of 5

VETERINARIAN: Byron Center Emergency Hospital

POSTED: | BY: Kelli Sidor

Emergency Vet Visit

Our 3 year cat had to be taken to the emergency vet. She wasn't using the litter box, eating, or drinking. Our regular vet was closed for the night and we felt like we had no choice but to take her to the emergency vet. We spent 6 hours there waiting for the results, worrying about every little thing that could be wrong. But, honestly, I never worried about the cost, I knew we picked a good plan through Pets Best. In the end our kitten was taken care of wonderfully by the vets' staff (back to normal after fluids and pain meds), and we were taken care of by Pets Best.
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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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