Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,179

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: Vet Stop Animal Hospital

POSTED: | BY: Dotti Gilmore

Good news

So happy that I have pet insurance. Sure has helped me take better care of my baby with Pets Best’s help. Pet insurance isn’t cheap but in the long run if your pet has problems, well worth the cost.
5

out of 5

VETERINARIAN: VCA Burton Animal Hospital

POSTED: | BY: Lora Fletcher

Great Pet Insurance!

New to the pet insurance industry last year, I compared several companies. I chose Pets Best and could not be happier. Their claim process can easily be done on my phone and payments after my deductible are very prompt. Highly recommend!
1

out of 5

VETERINARIAN: Roanoke Island Animal Clinic

POSTED: | BY: Pamela Gwinn

review of Pet's Best pet insurance

I am very disappointed in the amount of time it took to address my claim, 3 months. While not expecting my claim to reach my $250 deductible I was expecting the amount to be applied to my deductible. I will not renew my policy once my year is expired. I had much better service with Nationwide Pet insurance and only left due to the premium. Once again, you get what you pay for...
4

out of 5

VETERINARIAN: East Padden Animal Hospital

POSTED: | BY: Lana Hubbard

Pleasantly Surprised

I hear a lot of nightmare stories about insurance companies not accepting claims due to “previously existing conditions” so I was stressed out worrying that they wouldn’t accept my claim for investigating my dog’s urinary incontinence problem. I have previously had claims denied for UTI treatment since she’s had UTI issues in the past. I was concerned they would consider this related to that issue and deny the claim. However, they were able to see that it was a separate condition without further effort on my part and accepted my claim. I was very relieved to get the news because I have been on the fence about whether or not pet insurance is worth it. I have more confidence now, for future issues, that Pet’s Best will have my back.
5

out of 5

POSTED: | BY: Phillip E Gallegos

My dog Xien has Mast Cell cancer

My dog Xien has Mast Cell cancer. I was well pleased how quickly Pets Best evaluated all the documents and invoices sent to them. Payment for claims was within 2 or less weeks. It is so easy to submit a claim with Pets Best online and communications is excellent....Best for the price. I would recommend Pets Best to anyone who needs pet insurance.
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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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