Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,113

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: H.A

-It’s impossible to get hold of live…

-It’s impossible to get hold of live agent over the phone , I called 13 times each hold was for 1 hour and 30 minutes then the call will get disconnected. -to login into your account u have to use the app , it’s impossible to use browser, they will send you email to verify so u can login then when u clinc on the link it says invalid link !! Over and over. - you can’t check claim status unless you verify using the link they send you , but like I said earlier it keeps saying invalid link .. - I send claim on 10/17/25 and today is 11/13/25 and didn’t hear anything nor I can check online nor I can get hold of anyone over the phone. Very disappointing service and no response from the team
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1

out of 5

POSTED: | BY: melissa

Absolutely horrible company

Absolutely horrible company! I am stopping payment thru my credit card company as I am locked out of their website, can't upload claims, when I did upload one a few months ago, they are denied and no one ever answers the phone. Their website has been down for over a month. Horrendous.
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4

out of 5

POSTED: | BY: Ark

Great pet insurance and easy to file a claim.

Filing a claim is very easy, it does take awhile for it to be processed. We find the reimbursements to be fair.
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1

out of 5

POSTED: | BY: Jennifer Tait

Denied claim - Won't be keeping this insurance

There was very little communication during the claims process and when you call someone....they can't help. They can just tell you it's been reviewed. Then the claim was denied for "pre-existing" but there was not pre-existing. I will be cancelling this insurance.
1

out of 5

POSTED: | BY: Katie White

Responses unlikely

This company is awful. I paid upfront for a year and their website / app never works. I have been trying to file a claim for weeks and cannot submit anything. You call their number and no one picks up. You send them an email and no one responds. Time to reach out to a lawyer to get my money back.
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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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