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.
1

out of 5

POSTED: | BY: Ryan Karr

You can cover actual conditions

You can cover actual conditions. My dog was diagnosed with airway issues that needed boas surgery 2 years after the start of the policy and was never noted any earlier and you denied coverage based on preexisting condition. She was never diagnosed before with this issue
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5

out of 5

POSTED: | BY: Grace Galicia

Pets Best is simply the best

My friends who are pet parents were right about choosing Pets Best when my husband and I rescued two kittens in May 2023. One of our cats (now 2 years old) needed FHO (femoral head ostectomy) due to a fractured right leg and started walking with a limp. I called customer service and gave my policy number. He advised that I submit the receipt and paperwork the veterinary office gave me. Claim was submitted and I was reimbursed accordingly.
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4

out of 5

POSTED: | BY: Sarah Rideout

Great Customer Seevice

I submitted an invoice for my dog’s Rimadyl. I never had a problem before but it was denied! I called Pets Best and the customer service representative confirmed it should be covered. They told me they were elevating it to a supervisor and no need to resubmit. I got an email telling me my claim had been approved and am awaiting reimbursement. Thank you to the outstanding customer service. The premiums have risen quite a bit over the last 4 years but having the peace of mind if I need to use my insurance is worth it. Pets Best has great coverage and options and I am always satisfied with the customer service.
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5

out of 5

VETERINARIAN: Animal Medical Services

POSTED: | BY: Pat Hall

Claims processing is streamline easy

The process is so easy. You just snap a picture of your paid invoice, and send it to pets best..
5

out of 5

VETERINARIAN: Bellingham Veterinary

POSTED: | BY: Shay Schiefelbein

Favorite Pet Insurance!

We have a very active Australian Shepherd that seems to find himself in interesting positions where he ends up getting hurt. Pets best has been amazing with helping cover our vet costs over the years! I would highly recommend them to anyone looking for pet insurance.
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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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