Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,976

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: Ingrid

Amazingly fast and efficient

Excellent coverage and quick turn around time. My 1 y/o Siberian Husky developed cataracts that were operable. The surgery was a success and I was glad to be covered because it made a stressful situation easier to deal with.
5

out of 5

POSTED: | BY: S.

Best Pet Insurance Company

We have two policies for our Papillions. Over the past 7 years we have submitted numerous claims and relied on our policies to reimburse us for covered illnesses and injuries. We selected the $250 deductible w/90% coverage. Pets Best has always reimbursed us within 7 days. Last week we were reimbursed $4400 for a claim related to our dog's back surgery. There were no questions asked, no complicated forms to fill out; we simply submitted a claim, uploaded the bills, and awaited reimbursement. Six days later, we were compensated. If you are considering pet insurance, I assure you that you will find peace of mind with Pets Best.
5

out of 5

POSTED: | BY: Suzanne

LOVE Pets Best Insurance!!!

I am so grateful to insure my pet with Pets Best Insurance. The filing of claims is simple; their acknowledgement is immediate; their response to a final disbursement is explained in detail; the staff with whom I had contacted is courteous and helpful, and finally, their reimbursement is assured.
5

out of 5

POSTED: | BY: Sandy

Best Pet Insurance Ever!

Our cat, Pumpkin, incurred a bite wound from an unknown animal and suffered an abscess as a result. He had to have drainage tubes, antibiotics, etc., and our bill from the vet was close to $1000. We submitted our claim to Pet's Best, and within just a few days, we were reimbursed the amount on our policy! They made it easy to submit the paperwork (everything was done online), and even directly deposited the amount into our bank account. Our family's financial burden was greatly reduced thanks to this wonderful company! Thank you, Pet's Best!
5

out of 5

POSTED: | BY: Elisabeth

Very sick Dobie boy

I have been with Pets Best for almost 7 years. Over those years our Dobie 'Brees' has had several health issues. His latest issue seemed to be a mystery to all three of the veterinarians who examined him. Brees was in horrible pain, lethargic and listless. Many radio graphs and blood test later it was finally diagnosed as a possible immune deficiency. Pets Best has been at our side through all of these difficult times. I can not praise them enough for reducing my worry about the cost of Brees' tests and medical treatment. They have handled each and every claim expeditiously and to my full satisfaction. All I can say in closing this review is: "If you have a pet, insurance is something you should really consider. You never know when an emergency might arise and as your pet ages, it is likely that their medical expenses will increase. Pets Best has been absolutely wonderful in handling my claims and in letting me get the best medical care possible for my Doberman."
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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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