Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,007

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: Ryan

Pets Best has great pricing.

We just lost our last dog to cancer and didn't have pet emergency insurance because she was only 5, which we thought was too young. Fast forward to our newest dog that we adopted from the shelter. We knew she would need the annual shots/vaccines etc. and wanted insurance for emergencies that might cover some of the wellness too, but that didn't cost more than the shots! Pets Best had great pricing compared to the other insurances out there. We got back about 1/2 of Kaylee's first big wellness visit for her vaccines and check-up. Very satisfied.
5

out of 5

POSTED: | BY: Judy

Prompt response with questions.

I had a question about my deductible and how it applied to this claim and received a prompt phone call from a courteous, friendly and professional Customer Service rep.
5

out of 5

POSTED: | BY: Donna

Wow, I am so glad I got the well care plan for new puppy!!!!

I just got my 10 week old puppy, and new all the vaccinations, tests, heartworm, flea/tick meds, neutering and other things that a puppy requires in the first months would run a high bill, and I wasn't so worried about him being hurt or sick (unless heaven forbid he did get something that couldn't be predicted). I decided to take out both insurances, and went for the 2nd puppy visit. I saved so much money, even including the cost of both insurances, (only the few dollars for things like biochemical disposal that are now added to vet bills weren't covered), Microchipping was covered too. I literally got 72% of my money back including the one month insurance cost. For vet bill alone I got 88% back. The claim was accepted the first day I sent it, the money was back in my back account on the 3rd day after that. I cannot express how easy it was to file the claim, call and get information about the coverage before the insurance purchase. I looked at many plans, some having no well visit coverage at all, and compared to those that did offer it, this was the best price and had the most coverage for routine preventive things. Happy customer, healthy puppy!
5

out of 5

POSTED: | BY: Barb

Great Insurance!

PetsBest Insurance has been such a blessing for us with our 9 month old puppy. All claims are processed quickly and our payments even get direct deposited into our checking account! We have the wellness portion also so immunizations are even covered. I highly recommend this insurance for your pets.
5

out of 5

POSTED: | BY: Sherrie Smith

Pets Best has continued to cover what…

Pets Best has continued to cover what promised. I have only had my puppy for 6 mos. so thankfully I have not needed emergency care but they have covered everything they said they would cover. Most times it has only taken a couple of days for payments to be received and one time, it took 7 days. All in all this insurance program has been a good one.
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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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