Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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

POSTED: | BY: Letitia

Avoid Pets Best If You Have A Healthy Older Pet

PetsBest basically denied in its entirety, my healthy 5-year-old cat’s annual wellness check. I pay them about $700/yr for a basic AND 90% reimbursement wellness and basic insurance policies; however, of a $190 recently submitted claim, they only reimbursed me $28. Done with throwing my money away!
5

out of 5

VETERINARIAN: West Orange Animal Hospital

POSTED: | BY: Loretta

Quick Claims Processing and Reimbursement

"I had to take my cat to an emergency clinic near my hometown in NJ over a holiday weekend. She then had emergency surgery from her regular vet, then back to emergency clinic for overnight monitoring. Needless to say, I was afraid I might go bankrupt! But I submitted my claims to Pets Best and was surprised how quickly my claims were processed and how quickly I received reimbursement. I am so happy that I signed up for the Accident/Illness option with Pets Best. "
5

out of 5

VETERINARIAN: Roane Veterinary Hospital

POSTED: | BY: Michelle

Senior Cat Chronic Conditions

Our cat has reached senior status and has developed some chronic health problems - thyroid, heart arrhythmia, kidney function, ear infections - and he requires a good amount of ongoing veterinary care and medication to maintain a good quality of life. If it weren't for Pets Best I'm not sure we would have been able to medically provide the best care for him, but we feel very confident in his care plan and care team, and thanks to Pets Best we are able to help him enjoy life as a senior cat, which to us is priceless. Thank you Pet's Best. I tell everyone I can about your services.
5

out of 5

VETERINARIAN: Lakeside Animal Health

POSTED: | BY: Maureen

Very Happy

My first claim was a little difficult, but I was trying to file for 2 bernedoodles with one invoice. After speaking to someone who worked it out for me, this last claim was a breeze! My money showed up in my account and the EOB showed up in my email in record time. Thank you!
5

out of 5

POSTED: | BY: Albert

Best Insurance Company

I have had this insurance for five years. Easy to deal with. Claims process is simple and fair. I have never had an issue. Could not be happier. I recommend to everyone with a pet.
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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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