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.
3

out of 5

VETERINARIAN: Clevengers Corner Veterinary Care

POSTED: | BY: Gus

Need improvement

We used to have Healthy Paws but with 2 new dogs we tried Pets Best. Their price on one dog was lower but slightly higher on the other. We submitted a claim and it came back and they paid it as it should be paid however they took much longer to pay than healthy paws. I also don't like that they can't mail you a check this way I can tell that they paid it. Instead I had to keep checking my account to see if the money went in. I will reevaluate my contract when it's up.
5

out of 5

VETERINARIAN: Sunstone Veterinary Specialists

POSTED: | BY: Leslie

Love this Company

Can't say enough about this Company. Our dog Rose had an unexpected accident which tore both her acls. Pets Best was there for us all the way. Easy to file claims and prompt processing. THANK YOU pets Best!!!!
1

out of 5

POSTED: | BY: Adam Wolf

They don't care about your dog

I really don't understand all the positive reviews. I feel like they're paid. The company has the worst operations of any company I've ever seen. They take a month to pay out claims, have terrible customer service, and most importantly have ridiculous premiums. Year over year increases you can expect between 60 and 90% increases. They don't care about the dogs they care about the money. Terrible company
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5

out of 5

VETERINARIAN: Brooklyn Veterinary Group

POSTED: | BY: Amy

I love Pet's Best

Pets Best is a great pet insurance. Submitting claims are really easy via the website or the app, which I have on my phone. I just snap a picture of the receipt, click the relevant options, and I can do the whole thing in a couple of minutes. Claim processing is usually timely, and the explanations are clear to understand. When my dog, Smudge, was bit by another dog, I was able to submit a claim for the bill and, because we'd met our deductible, we only owed less than $100 of a $4,000 bill. Pets Best lets me know we can get the care we need for our dog with peace of mind about the costs.
1

out of 5

VETERINARIAN: East Bay Animal Hospital

POSTED: | BY: May

Avoid the Frustration!

I deeply regret switching to Pets Best from Nationwide,this has been the worst pet insurance experience I've ever had. The biggest issue is their claim denials; a significant majority of the claims I submit are rejected without clear justification, making it feel like their priority is avoiding payouts rather than supporting pet owners. On the rare occasion they do approve a claim, the reimbursement process is painfully slow, often taking weeks before I see any funds. This delay is frustrating, especially when dealing with urgent veterinary expenses. Having been with multiple pet insurance providers, I can confidently say Pets Best has been the most disappointing in terms of reliability and efficiency. If you're looking for peace of mind and timely coverage for your pet, I strongly recommend exploring other options. My experience has been nothing short of frustrating, and I truly regret making the switch.
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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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