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: Stoney Creek Veterinary Hospital

POSTED: | BY: Jaqi

Pets Best Was There When Zoe Needed Them

Having pet insurance is one of those things you hope you never really need, but when something happens, you’re very glad you have it. When Zoe needed veterinary care, I was already worried about her and the last thing I wanted was to also be stressed about the claim process. My experience with Pets Best made that part much easier. Submitting the claim was simple, communication was clear, and everything was handled without adding more stress to an already stressful situation. Zoe is a huge part of our family, so being able to focus on taking care of her instead of worrying about whether her claim would be a battle meant a lot to me. The whole experience gave me a lot more confidence in having Pets Best coverage for her. You never really know how good insurance is until you actually have to use it. In our case, I was very thankful we had it when Zoe needed us to. ❤️
5

out of 5

POSTED: | BY: Ellen

Pets Best Review

Pets Best is by far the best pet insurance I’ve ever had. They are so efficient offering such ease of turning in claims and so prompt in their payment of claims.
5

out of 5

VETERINARIAN: Walker Hometown Animal Care

POSTED: | BY: Denise (Denny)

Annual Coverage for Bella

Bella is my moyen poodle. She is now 8 years old and we have been with Pets Best for that entire time. I am always pleased with the service when I submit a claim and I have never had an issue. It give a lot of comfort to know that if she has a health issue that we can get it resolved without a worry as to the cost as we already know our portion with Pets Best."
5

out of 5

POSTED: | BY: Kerri

Lynken Dozer 💔🐾

I signed all of my pets up for the accident coverage insurance plan after we got our Great Dane/Mastiff puppy. We had one of our other dogs get bit by a rattlesnake a few years ago, and I wish we would have had insurance then. Only a month and a half (if that) after I signed up, my 4 1/2 month puppy ingested a chunk of a dog toy. We went through surgery, in and out of ER for 4-5 days, only to end up with him septic and having to make the devastating decision to put him down, not even 5 months old. Pets Best came through big time. They reimbursed at the 90% after our deductible on all of the emergency vet bills. We could not be more grateful for that huge financial weight off our shoulders while also grieving our puppy. They even canceled puppy's policy for us once everything was processed through knowing he had not made it. Another "to-do" I didn't need to worry about. Thank you so much Pets Best! I am so grateful for your help during this tough time.
1

out of 5

POSTED: | BY: Jill

This company is dishonest and shady

They denied my dogs claim of a hotspot because he had an ear infection six years earlier. They said it was a pre-existing condition. It was the first hotspot he ever had in his life and we’ve been with them since he was a puppy. Once he turned seven, the premium skyrocket to where I had to add $1000 deductible so I’m paying close to $2400 a year just to be able to submit a claim that is reimbursable. I will be dropping them. Do yourself a favor and just take the premium and put it in a little savings account for when/if you need it. it will also save you a lot of frustration every time you submit a claim they want the full medical records and they rely on you to get it. Just very disappointed.
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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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