Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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

POSTED: | BY: Erin

They came through!

I got Pets Best Health insurance the week I adopted my 12-week Lab mix puppy — best decision I ever made, as it turns out. A few months ago she started walking funny. X-rays revealed significant hip dysplasia, which felt like a gut punch for a dog not even two years old. But plot twist: her hips weren't actually the problem. Her two blown knees were. Both of them. On a puppy. Because apparently she decided to go big. After consultations with two vets, more x-rays, and some genuine soul-searching, I went ahead with a bilateral TPLO — both knees, done right — because she deserved a pain-free life, not a lifetime of managing discomfort. Then I braced for the insurance battle. I'd fully prepared myself for the runaround: denied charges, fine-print surprises, the whole thing. Instead? Pets Best paid exactly what their Explanation of Benefits said they would. Every line item. No drama. I'm genuinely floored. Georgia Mae is going to be just fine — and apparently, so is my faith in insurance companies. At least one of them, anyway.
5

out of 5

POSTED: | BY: Beth Davis

My experience with Pets Best so far has…

My experience with Pets Best so far has been great. The response time on claims has been effecient and quick, the EOB is clear and easy to understand. The policy is clearly outlined and easy to read. I have 2 pest insured with Pets Best right now.
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5

out of 5

POSTED: | BY: Claire B.

Great Experience So Far

We've been PetsBest customers since 2023, but only recently had to make use of our insurance this past year. I've really appreciated everything they've done for us. While we've had to go through some stressful times with our fur baby, PetsBest made the money side of things easier and less stressful. It makes tough decisions easier when it comes to her care. Claims are easy to submit, and they've had pretty decent response times as well as payout times.
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5

out of 5

VETERINARIAN: Canine Vet Care

POSTED: | BY: Jess

My Dogs!

"Pets Best has been a life safer for me with my two incident prone cattle dogs. The entire process of having pet insurance is simple and user friendly with auto renewal, auto pay, file uploading and reimbursements. "
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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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