Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Barbara

Simply the BEST... and FAST too!

After adopting our little stray kitty, Juicebox, (who we think is about 7 years old) we signed him up with Pets Best after visiting this website. About two months later, JB came down with an infection after canoodling with a neighbor cat that was mangy! $350 later, Pets Best reimbursed us 90% and we got our claim check from them TWO days after submitting the claim. These guys are amazing!!
5

out of 5

POSTED: | BY: Audrey

Excellent Pet Insurance

We have had insurance with Pets Best for many years. I recently lost my little one A'Sharel and this was my first time filing a claim. The representatives rendering assistance during my lost was extremely caring and helpful. I want to say "thank you". My claim was processed in a manner of two days. I would and have recommended Pets Best to other individuals. Pets Best, please keep up the good work. I wa
3

out of 5

POSTED: | BY: Harold

Maximums per incident

Our Vizsla was diagnosed with IMHA (blood disorder) @ 5+ yrs. old. He went downhill very fast so we took him to Iowa State Llloyd Vet. School. They were great. He wasn't responding to the 8 blood transfusions. After 3 weeks, his spleen was removed and he turned the corner...so we thought. Biopsies came back and it showed that he had cancer of the worst kind. This is the part to be wary of. Initially pets Best covered this as IMHA and in most cases, the dog would not have survived long enough to know that he had cancer. Instead, due to the great dedication (ours and Lloyd Vets) he survived to find he also had cancer. Even though I and the Doctors have sighted a dozen studies which show you can have cancer and not have IMHA, or vice versa (they are 2 separate and distinct diseases) they chose to lump them together and cover it as one. Kind of like saying the flat tire in your car caused your engine to quit working. It is due to this, I can not recommend them. I have had VPI early on when they were just about the only game in town years ago. We switched to Pets Best and were happy with them until a disastrous issue like ours came up. But that's why you have insurance...for the unexpected and they weren't there for us. Now, I will seek insurers who have no maximums such as Healthy Paws in Seattle.
5

out of 5

POSTED: | BY: casey

I work at a Vet Hospital and I use Pet's Best

When I found that lump under Spider's arm pit, I panicked. Thank goodness we had Pet's Best Insurance to help with his surgical costs. The tumor came back as cancerous, but it had been completely removed. Today, Spider is happy, healthy, and cancer free thanks to a good surgeon and Pet's Best Insurance.
5

out of 5

POSTED: | BY: Adriene

Very pleased

I have had Pets Best for many years, and have been quite happy with the service.

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 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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