Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,599

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: Ellen Anderson

Great job.

Great job. Explained everything very well. It takes a little time ,but that's fine. It goes right into my checking account which is very convenient. My baby is 9 years old now so stuff keeps coming up. So glad I have them
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2

out of 5

POSTED: | BY: Zsolt Janka

Misleading in full coverage benefits

Misleading in full coverage benefits, and when you try to cancel full coverage, they do not give you the option to do so.
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5

out of 5

VETERINARIAN: Lone Star Veterinary Clinic

POSTED: | BY: Christine

Pets Best

It's a really great insurance
4

out of 5

VETERINARIAN: Cordova Animal Medical Center

POSTED: | BY: Jim

Pets Best humans great, machine recognition not so much

On last claim euthanize was listed as a non-covered food by the computer. I have experienced similar recognition with other claims. However, once I talk to the Pets Best humans, everything is great. Folks are friendly, competent and the nonsense is fixed immediately. Of special note is phone answering times- they have gone down by 90% in the past year. All I need is a box on the claim forms: "HUMAN PROCESSING ONLY". Apart from mechanical recognition issues, I am very pleased with Pets Best and all our Dobermans have been covered by them for some time."
5

out of 5

VETERINARIAN: Veterinary Referral Surgical Practice

POSTED: | BY: Vivien

Highly recommend Pets Best

I have been a customer of Pets Best since 2022 and have coverage for my dog, Queso. I had never filed a claim prior to this one and since it was my first time, I was nervous the process would be difficult and worried if the claim would be approved. Queso had torn his ACL and required surgery which was of course quite expensive. Thankfully, the claims process was incredibly easy, Pets Best approved the claim, and I was quickly reimbursed. The experience was fantastic and this is the exact reason why I have had coverage for Queso for many years: for a major unforeseen medical event/injury. I will always be a Pets Best customer as long as I have pets and have recommended Pets Best to many people because of this experience.
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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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