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: Hawkins Animal Hospital & Wellness Center

POSTED: | BY: Patricia

NEVER DENIED

Pets Best has been a lifesaver for me through the years. I never had a claim denied and all claims are always paid in a timely manner. Customer service is top notch. This company is worth every penny of their very reasonable premiums. I would never go anywhere else. I give them a well deserved 6 thumbs up.
5

out of 5

VETERINARIAN:

POSTED: | BY: Marjory

First Claim at Pets Best

"After many vet bills with previous pets, and as vet bills have increased over time, I decided to buy pet insurance with my new puppy in 2020. I decided on Pets Best after thoroughly researching many companies. My first claim to Pets Best came as my dog was about to turn 5 years old. The claims were submitted quite easily and once I paid my deductible, my claims were very quickly processed with a clear explanation of benefits. I am so happy we got pet insurance. It provides some piece of mind. I am very happy so far with my experience as a Pets Best customer. "
5

out of 5

POSTED: | BY: Max

You never know until you need it

This is our first time having pet insurance and Pet's Best was recommended to us so we decided to give it a try and are so glad we did. Our dog had a puncture wound on her paw and it had abscessed. Our regular vet could not tell if there was a foreign object still inside so we had to take her to a specialist that had a CatScan to check. She was on antibiotics for a long time and had to take it easy while recovering. Pet's Best helped ease our fears on the cost so we were able to completely focus on our dog's recovery. Thank you Pet's Best for reducing the stress in a stressful situation."
4

out of 5

POSTED: | BY: Wendy West

The app makes it easy to submit claims

The app makes it easy to submit claims. The claims processing is relatively quick.
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5

out of 5

VETERINARIAN: McGrath Veterinary Center

POSTED: | BY: Maria

Amazing. Cannot recommend enough

I've always had a great experience with Pets Best when it comes to CLAIMS. They are doing a superb job, and I can't stop recommending them to anyone who asks. Even my vet is surprised when I say that I’m very happy with my insurance and claim process. Love them!
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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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