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: Magnolia Springs

POSTED: | BY: Greg Schick

Great Service from a Great Company

"Our five year old Golden Retriever had to have a small mass removed from her front foreleg. A week after the surgery — and one week before her sutures were due to come out — she got away from my wife in out backyard and ran and jumped like she was completely fine. After a trip to an emergency Vet to fix her opened sutures we now had to deal with a new bill to submit. Pets Best was wonderful in the way they handled our claim and were very quick to reimburse us. We couldn't be happier with our experience!"
1

out of 5

POSTED: | BY: Kristen Lamotte

Frustrating Outcome

I recently filed several claims with Pets Best and much to my dismay, they denied a series of x-rays due to a pre-existing condition but the X-rays were taken for a lump on my dogs belly. They assumed the x rays were for her hip but the SOAP notes very clearly state it was for her chest. When I brought this to their attention, their customer service rep Julia tried to help me out and get them to review it, but instead of the claims department owning their mistake, they said I must file an appeal which will take 90 days. So now I must file an appeal and essentially send in documents I already sent them , in order to get them to fix THEIR mistake. Very very very disappointing.
5

out of 5

POSTED: | BY: Sylvia Perez

REIMBURSEMENT IS GREAT

"I have had Pets Best for my baby since he was 2 months old, and he is now 11. This has helped us tremendously with the unexpected issues that rose up. Having Pets Best is definitely a great help. I have spent so much money over the past few years with all the issues. He now has arthritis, he went blind last year from SARDS, and a few other issues that have come into play but thankfully the test have come back negative, or we have been able to rectify with proper care. Having reimbursement in place has been a big help with all the medical expenses. I would not have been able to financially keep up the care I have been able to provide for my baby if it were not for Pets Best. I have called them and the 24/7 WhiskerDocs on several occasions and everyone is always helpful and caring. We highly recommend getting Pets Best for your baby/babies. Although, I do wish the premium did not go up every year, lol."
5

out of 5

POSTED: | BY: Dennis Hoecherl

Appreciate Pets Best

I purchased Pets Best insurance for my westie in 2020. In June 2023 she was diagnosed with TCC Bladder cancer. Pets Best has allowed me to provide the best possible medical treatment possible. They have been extremely supportive with the financial support to cover her treatments. I'm very thankful I selected Pets Best. I appreciate there continued support.
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5

out of 5

POSTED: | BY: Frank Roberts

Pets Best

Pet Best is excellent Pet Insurance. Easy to use claims process online and on their App. Thorough explanation of claim reimbursement and excellent communication
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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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