Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,603

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: Wilmington Animal Hospital

POSTED: | BY: Julie

Confidence When You Need It

As usual, you never see it coming. Suddenly my dog became lethargic, stopped playing, stood in front of his food bowl for a minute before half-heartedly eating. I sometimes ponder the importance of the monthly premium for pet insurance, at least when things are going well. But suddenly they aren't, and I'm happy to not have to worry about making choices due to finances at least. Turns out Lincoln had spiked a fever, and after bloodwork and an x-ray, it was still a mystery. My vet's best guess was to treat with antibiotics, which she said in a small amount of mystery cases such as this, helped resolve the problem. A good guess, and Lincoln recovered well within just a few days. Within a couple weeks after filing my claim, Pets Best reimbursed me, and sent me my EOB, all which were completely easy to understand. In my experience, this has been consistent behavior for this company over Lincoln's entire lifetime since puppyhood. He is now 8, and it's a no brainer for me anymore.
5

out of 5

POSTED: | BY: Rebecca Mahr

Outstanding insurance

My beloved Shetland Sheepdog, started having severe health issues around six months ago, which has resulted in multiple doctor appointments and procedures. Reducing the stress over financial aspects of his prognosis has definitely helped in a difficult time. Outstanding and caring customer service.
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1

out of 5

POSTED: | BY: Jon

Explore other options before over paying for subpar insurance

I wish I never switched to Pets "Best"
5

out of 5

POSTED: | BY: Amy

Pets Best is perfectly named

I have had Pets Best for my two dogs for about five years now and this might be the single best insurance company I've ever worked with. They've processed and paid claims with complete ease and great communication.. My 12 year old dog was recently diagnosed with cancer and they have covered all aspects of his care without any kind of resistance. I wish human health insurance was this good! Their service is, without a doubt, worth every penny I pay for premiums.
5

out of 5

VETERINARIAN: Fall Creek Veterinary Medical Center

POSTED: | BY: Lucianna

Happy Pet Owner

Pets Best has been very good to work with and the claims processing is quick and easy. The rates are reasonable and coverage great. I would definitely recommend to any pet owner interested in 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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