Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,885

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: Monrovia Animal Medical Center

POSTED: | BY: Patricia

Excellent Customer Service

I filed several claims at once because I was very busy and a bit of a procrastinator. Over six months, my senior cat has had a kidney condition, a cystic growth on her mouth that was biopsied, and a urinary tract infection. After filing my claims, I received an immediate response, consistent updates, and payment within 3 weeks.
5

out of 5

VETERINARIAN: WestVet Boise 24/7 Animal Emergency & Specialty Center

POSTED: | BY: Norma

Quick and Accurate Claims Payment.

Pets Best always pays my claim in a very quick and accurate manner. I am very pleased with Pets Best.
5

out of 5

VETERINARIAN: Pasco Animal Hospital

POSTED: | BY: Richard

pets best is best

pets best not only has good coverage but good customer service.they not only hear you they listen to what you have to say.
5

out of 5

VETERINARIAN: Midshore Veterinary Service

POSTED: | BY: Catherine

Salty

Easy to do the claim and quick response
1

out of 5

POSTED: | BY: Anja Zgodic

Claim processing is chaotic and lengthy

Overall we had a negative experience with Pets Best insurance. It took about 5-6 weeks to process our very simple claim for a pet injury. There were instances when Pets Best said that they were missing documents when they had been in fact sent (I could see dates in my emails) and received by Pets Best. I had to make multiple calls to get representatives to double check everything. We could not count on their systems to do what they were supposed to do automatically. Then the representatives said there were problems with filetypes. Who is 2026 still has problems opening pdf's? We sent the filetype they requested but they still had technical problems on their end. After many calls, many emails, and many uploads to make sure that they were doing things correctly, the claim was able to move forward. We had to advocate to get expedited processing after all the chaos. Ultimately, for the cost of Pets Best, there was so much handholding we had to do for Pets Best employees to do their job, that it's really not worth it. We look forward to switching insurers in the future.
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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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