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.
1

out of 5

VETERINARIAN:

POSTED: | BY: Ron

Loop holes

I’ve paid my monthly payment for years to only to receive a couple hundred and reimbursements. That’s on top of the thousand’sI have paid the Vet. My most recent claim was for oral surgery, which was over $2K. Not a penny was reimbursed because I did not have my pet enrolled before she was six months of age (she was 1 when I got the policy and now she’s 3), so that particular issue can’t be covered. Really? I should’ve known that my dog was gonna need oral surgery at 3 yrs old when she was 3 months old. Just shady so two thumbs down.
5

out of 5

POSTED: | BY: Melanie L

Easy and quick claims process

Easy and quick claims process. Upload the vet bill and was approved in 2 days.
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5

out of 5

POSTED: | BY: Shannon

The absolute BEST experience

"Pets Best was amazing! Fortunately we have never had to use our insurance until this past month. I have to say the experience from start to finish was super easy and the communication and status updates and reimbursement process was so quick. I researched a lot of pet insurance and I am so glad I made the right choice with Pets Best! Very pleased. Paid my deductible and copay and was reimbursed for the rest. Thank you all so much!"
5

out of 5

VETERINARIAN: Bridgetown Veterinary Emergency + Referral

POSTED: | BY: Judy

Daisy’s Health

"My standard poodle, Daisy, has epilepsy. I'm so grateful to Pets Best Insurance for the coverage she has. Staff at Pets Best always addresses my claims quickly and I'm reimbursed right back into my checking account. The peace of mind I have with Pets Best coverage does so much for my relationship with Daisy AND my budget! She's a wonderful, loving girl. Pets Best helps us both "recover" quickly after seizures leading to Doctors visits and medication costs. "
5

out of 5

VETERINARIAN: Animal Clinic South

POSTED: | BY: Cynthia

Saved my dog's life

Pets Best saved my dog's life when she had to have heart surgery. I would have had to out her down due to cost had i not enrolled in insurance. Pets Best helped me through a very difficult time, emotionally and financially with grace and kindness.
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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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