Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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: The Village Vet Emergency Animal Hospital

POSTED: | BY: Fran

So worth it!

I was very lucky to have three wonderful dogs in my adult life, from 2005 to 2024. I did not have pet insurance for any of those dogs, and as each one got older, caring for them became significantly more expensive. When my last senior pup passed in fall of 2024 I didn't know if I could bear having and losing a pet again. After a few months without a dog, I saw one at a rescue and I knew I was going to do it one more time. The difference? This time I immediately purchased pet insurance for my two year-old rescue. After about a year of paying premiums, I learned how important it is to have. My dog started throwing up and refusing food and water for over 24 hours. I couldn't get her in to see her regular vet for another 24 to 48 hours, so I took her to a familiar Emergency vet for urgent care. My total bill was $1800 for x-rays, fluids, overnight stay, etc. Today I received a check for just over $1000 from Pets Best. Yes, it was still an expensive vet visit, but getting over half of it back is huge. The small monthly investment is very much worth it to not get hit with a cripplingly large vet bill all at once. As my dog ages, I know I will have benefited greatly in the long run. Thank you, Pets Best!
5

out of 5

VETERINARIAN: VCA Peachtree Animal Hospital

POSTED: | BY: Patricia

Awesome Experience

Pets Best is so great to work with and has helped Lee and I so much. Customer service is great and the website is easy to navigate.. Thank you Pets Best for all you do!!
5

out of 5

VETERINARIAN: Speak Animal Hospital

POSTED: | BY: Sharon

Wellness visit

I have an 16 month old mini Schnauzer named Sadie. I have never had pet insurance before so when I got her I decided to get it. I am so glad I did. The peace of mind and ease of the claim process is so easy I am thankful I got it. The claims process is easy and fast. I would recommend this to anyone thinking of getting pet insurance.
5

out of 5

POSTED: | BY: Melissa S

I always hope that I never have to use…

I always hope that I never have to use it but I'm absolutely elated that I have this coverage for my dog Ruby Rhod. My dobermans have always been a large part of my life as I am every part of theirs. Over the years my dobermans have delt with cancer, cardiomyopathy, diabetes basically every thing that can happen to dogs when they reach their elderly ages and we have always made it a point to make sure that they have the coverage that they needed so we are able to give them the care they deserve. I have had other coverages and Pets Best is by far the best one out here. Thanks for helping keep my furry family together.
2

out of 5

POSTED: | BY: Alisha Benoit

I pay quite a bit of money to this…

I pay quite a bit of money to this insurance and I haven’t put in many claims, but every time I do, they get denied. This is concerning and I am considering to switch companies.

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 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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