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

POSTED: | BY: Kalin Mayberry

Pets Best - fast, friendly, thorough

Pets Best - they are fast, friendly, and thorough. We did a lot of research when trying to figure out who we wanted to use for our pet insurance, and I am so glad that we picked Pets Best. They always explain what my claim submission results are, regardless of the outcome. Preventative care, emergency care, and those random, pop up illnesses - they carefully consider it all from your invoices.
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5

out of 5

VETERINARIAN: VCA El Mirage Animal Hospital

POSTED: | BY: Vincent Kopriva

Pet's Best Continues to Impress

"Our dog Hamilton has had a host of health issues over the years, but Pet's Best has been there through them all, and the financial assistance means we didn't need to make tough decisions about his care - one less thing to worry about. His recent claim for a trip to the Emergency Room was processed quickly and completely in accordance with my policy. No surprises. Thank you, Pet's Best for your continued support of our senior dog! Every Vet we've been to recommends Pet Insurance, and I do too."
1

out of 5

VETERINARIAN: Vet Med of Corinth

POSTED: | BY: Stormie Huff

Do not recommend

Purchased their most expensive coverage after the vet told me I could use this company to get reimbursement for the money spent on my dog’s care. He is a rescue and didn’t have any allergy issues when we first got him. When they developed we got him insurance and then took him to the vet. Filed a claim and was denied because they determined it was a preexisting condition. Which it was not. So I wasted $60 on coverage for NOTHING. terrible customer service. absolutely zero coverage. Literally just a scam.
1

out of 5

POSTED: | BY: K Stevens

Pets Best is a nightmare

Pets Best is a nightmare. It's taken over 40 days to have 1 vet visit "reviewed". The repeated requests for a full year of records for a dog just adopted from the shelter is absurd. Submitting LA County Animal Care records to be told they're "invalid". If it wasn't so time consuming and irritating, the ignorance would be hilarious.
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5

out of 5

POSTED: | BY: Caitlin McGuinness

Quick reimbursement

Pets Best handled my claim within a week which is much quicker than I expected. I wish I never had to use my insurance but I’ve had to use it for both dogs now and I am so thankful to have this insurance. When emergencies happen it gives peace of mind to know some of the bill will be covered. The claim process has always been very simple. If only human insurance could be as seamless.
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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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