Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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: Insight Veterinary Wellness Center

POSTED: | BY: Monique Rance

Easy Claims Process

After my dog sustained a cut behind the ear, we went to our wonderful emergency vet. The bill, however, for minor surgery to repair his ear was higher than we expected. Thank goodness we had Pets Best, as it eased our financial worries that day. After reimbursment a short while later, I felt very satisfied with our policy and so happy that our dog's incident did not create a stressful financial situation. Thank you, Pets Best!
1

out of 5

POSTED: | BY: ed isaac

$59.00 out of $420.00 sad.....What a JOKE.....

$59.00 out of $420.00 sad.....64.00 dollar a month for 38 months. $2432.00 so far.... I have the 90% plan. Deny this, Deny that. 90 % percent off each item to maximize their deductions, instead of the total. So they can profit off anything they deny. These are our Pets. Gone to Spot..... And I understand the $250.00 deductable.
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5

out of 5

POSTED: | BY: Prudence Brown

Very fast turn around for claims

Very fast turn around for claims. Would be nice if wellness claims would show available balance for the wellness items so I don’t waste my time or theirs when I have used up the wellness allowances for each item. Otherwise, never had a problem with claims.
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2

out of 5

POSTED: | BY: Brandi Montana

small dog owners beware

I thought this insurance was great, a really good option for coverage for the price and deductible. That was until my dog was newly diagnosed with periodontal disease. My vet made the first recommendations to have a teeth cleaning at almost 4 years old because we were doing good oral care. At that time I found some loose teeth when we were brushing and her gums were bleeding one day. My dog needed teeth extracted during her cleaning and Pets Best denied our claim even though I am technically covered for periodontal disease per my policy. they have a loophole to deny if they have a cleaning and periodontal disease is found and treated within 13 months of diagnosis. I had to pay $1800 out of pocket due to this denial. So if you choose this insurance and have a small dog, get regular teeth cleanings at exactly at 3 years and hope they don't find any periodontal disease because that will classify you as pre-existing and all future dental needs will be denied.
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5

out of 5

POSTED: | BY: Amy Phillips

I have had this policy since last fall

I have had this policy since last fall. (2024) I have been impressed with the ease of turning in my claim. They kept my information private too. It wasn’t sold off. They paid the amount that was in my policy. More than I expected in reality. With my first claim being handled professionally and the amount paid on my claim was better than I expected. I would recommend them to a friend or family. I will be using them in the near future for neutering and am not worried about getting paid for it. By the way, I use my Care Credit Card to pay at the veterinarian office. I was reimbursed through my care credit account. With no problems either. Customer Service was keeping me updated on the steps as they processed it through to getting paid.
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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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