Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Petfolk Veterinary & Urgent Care - Indian Land

POSTED: | BY: Melissa

Exactly What Pet Insurance Should Be

When my 12-year-old dog suddenly fell and couldn't get back up, we learned through extensive testing that he was dealing with several significant health issues in addition to the arthritis he had battled for years. The months that followed involved numerous vet visits, specialist consultations, tests, and treatments. Pets Best was there every step of the way. Claims were easy to submit, processed quickly, and reimbursed according to the plan I had chosen. Most reimbursements were deposited directly into my bank account within days. Having that financial support allowed me to focus on my dog's care rather than worrying about the cost, and for that I am incredibly grateful.
2

out of 5

VETERINARIAN: Sylvan Corners Pet Hospital

POSTED: | BY: Breea

Their accident insurance isn’t truly accidental

Unfortunately, I only had accidental insurance through them and my dog fell off a deck and tore her ligament. Because it’s a ligament tear it’s not covered, even though it was a true accident when she fell from 3 feet high… they told me even if she was hit by Car They still wouldn’t fix that part of her body…. So then what is considered an accident. It’s a scam of money and they deny everything. Be very cautious on what you’re signing up for even with the higher priced plans because I had and they stated that they would cover it, but only case by case which means it would probably have been denied. Proceed with caution.
5

out of 5

VETERINARIAN: James River Veterinary Surgery

POSTED: | BY: Rhonda

Louie's Surgery

Pet's Best has done an outstanding job for us. Our 5 month old Basset Hound pup was diagnosed with bilateral elbow dysplasia and had surgery to repair both front elbows. The surgeries were expensive. Pet's Best expedited all of our claims and paid them accurately and fairly. We would recommend Pet's Best to anyone looking for an insurance provider that is easy to deal with, has a great website, and makes the claims process easy to understand and easy to work with. I hope we can continue with Pet's Best for many years to come.
5

out of 5

VETERINARIAN: Attleboro Veterinary Clinic

POSTED: | BY: Christine

Pets Best & 3 yo rescue mix Gracie

Our rescue dog started limping in March. We tried medication and rest, but it didn't help. We brought her to the orthopedic surgeon and they diagnosed a partial CCL tear. We got a second opinion and they came to the same diagnosis. We have surgery scheduled for January and our dog is on pain medication and anti-inflammatory medication and Pets Best been wonderful through the whole process. Claims are quickly reviewed and paid and when I went through the surgery quote with someone they told me what could be covered and what would not. I would definitely recommend Pets Best to others and have because horror stories about other providers. I'm so thankful I chose Pets Bests for our 2 dogs. They're like family "
5

out of 5

VETERINARIAN: Chamisa Veterinary Services

POSTED: | BY: Laura

We love Pets Best!

We love this company! Premiums are very reasonable and coverage is excellent! We couldn't be happier! We take exceptional care of our dog but he has had some unexpected medical issues and Pets Best has been wonderful in that they've helped financially by covering some of the costs. Claims are easy to submit and they're processed super fast! I wouldn't choose any other pet insurance company! "
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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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