Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Western Veterinary Group

POSTED: | BY: Cheryl Moore

Pets Best a great insurance

I am very pleased with Pets Best Insurance as they pay claims in a timely manner and have been there to answer any questions I may have regarding a claim.
5

out of 5

POSTED: | BY: Emily Shepeski

Pet's Best made my claim easy and gave us peace of mind

My Dog Mack had a foreign body removal from his stomach and small intestine. “It’s our Mack he’ll be fine- this is one expensive peace of mind trip” we had thought taking him to the ER. Our hearts sunk hearing the doctor say “this is a worst case scenario, and becoming increasingly time sensitive.” Of course we immediately allowed him to be triaged into surgery and the scariest 48 hours of my life to follow waiting to hear if he’ll be stable enough to come home. Luckily he survived - as Mack does- and is back to being his goofy self (even while heavily medicated). Just shy of a 10k predicament all said and done. Thanks to pet insurance we will be reimbursed 70% of total cost (a coverage plan that’s customizable and that I selected). I’ve heard everything about having pet insurance “it’s a waste of money” “they won’t cover everything” “what if I never need it and waste all this money” I can promise you that $45 a month (less than a night out) is a lot less noticeable than thousands of dollars staring you in the face. You cover your car not knowing if it’ll ever be in an accident - you cover your house not knowing if it’ll burn down or not - you cover yourself although you could be healthy more than not - why not cover your most precious asset? ❣️ The biggest thank you to @petsbest for giving us some financial peace of mind and helping us care for our boy the way he needed. I will recommend this company for life!
5

out of 5

POSTED: | BY: Christopher Hernandez

Best Pet Insurance

Has been a life saver for my sick cat
5

out of 5

POSTED: | BY: dweillcarolina.rr.com

Very efficient and quick in responding…

Very efficient and quick in responding to my request
2

out of 5

POSTED: | BY: sarah rideout

Peace of Mind

I have had Pets Best for over 4 years. I never had pet insurance but got it when I got my greyhound. I initially picked Pets Best as they were partnered with Care Credit. She is very healthy and I have thankfully not had any issues with her health which makes me question the expense of pet insurance. However, I adopted a senior greyhound, who was re homed to me. I got a Pets Best policy on her and although it is very expensive due to her age, it has been a godsend. She was attacked and spent several days in the emergency vet to the tune of thousands of dollars. It was such a relief to have Pets Best reimburse the majority of the cost. As a former professional athlete, she benefits from acupuncture and laser therapy, Pets Best covers the majority of those costs. I am able to choose what coverage is right for each dog and when the Pets Best representatives have been very helpful in choosing coverage and giving payment options. Finally, Pets Best is usually very prompt with their explanation of benefits and payments.

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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