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: Robyn

I love the ease of submitting claims on…

I love the ease of submitting claims on the iPhone App! The promptness of payment of claims is always a great surprise.
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5

out of 5

VETERINARIAN: Animal Cancer Care Clinic

POSTED: | BY: Ashley Tomlinson

Pets Best is the best

"Pets Best insurance has been a huge help for one of our dogs recently diagnosed with cancer. The claims are simple and easy to put in, the response time is pretty quick on the claim, and receiving the reimbursements now that we've met our deductible is a smooth process into our bank. I am so happy that we pay for pet insurance, specifically PetsBest. I would recommend them to anyone with a pet. It's a huge help when going through extremely tough and expensive situations with your furry family member. I am very grateful. I have not had to call or communicate with anyone yet for any concerns. Website is simple and self explanatory.
5

out of 5

POSTED: | BY: Tammy

It was easy to submit our claim to Pets…

It was easy to submit our claim to Pets Best Health Insurance. They walk you through every step. The claim was paid within a couple of days of submitting. It was a very good experience.
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5

out of 5

VETERINARIAN: Locke A. Taylor DVM

POSTED: | BY: Don Boswell

Pets Best insurance is priceless!

During the past few years my senior dog who has been my best friend and companion in retirement has developed several treatable but rather expensive veterinary care issues. While I sometimes felt like his Pets Best was kind of pricey when he was younger and really rarely used it, I'm now so glad that I kept his coverage and Pets Best has really been there for us giving me a few more years with him I probably couldn't afford without it. It will be hard to finally let him go, but it would be unbearable to think I might have had to put him down just because I couldn't afford his vet bills. Thank you Pets Best for the extra time with my best friend!
5

out of 5

POSTED: | BY: Claire Houston

Came back to Pets Best after 2 other ins co fails

I started with Pets Best 9 years ago. Although I was satisfied working with them, when rates went up, I switched to another recommended pet insurance company. After a year and a half with them, I switched to yet a different recommended pet insurance company. What I found is that both recommended insurance companies tried their best NOT to pay out any reimbursement. They did gymnastics to ensure that they paid nothing. When I finally switched back to Pets Best, what I saw is that Pets Best does the hard work (the gymnastics) to fairly apply the policy standards to each claim. I feel so much better served by this insurance company compared to the other two. I should never have left Pets Best, but I just assumed all insurance companies would be the same. I'm a loyal customer now, for sure.
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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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