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

POSTED: | BY: Maryellen Muszynski

I have been a Pet's Best customer for…

I have been a Pet's Best customer for several years. In the past, it was not uncommon to wait months for claims resolution. I was pleasantly surprised by the rapid response and completion of my claims.
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5

out of 5

VETERINARIAN: VCA Arden Animal Hospital

POSTED: | BY: Javier Krutki

Another claim

This is just another claim for my Golden Retriever who loves to get into trouble. The claim process is easy and fast and the reimbursement is more quick than before. I sent the claim 02-12-25 and got the deposit on my account on 02-24-25, used to take around a month before.
1

out of 5

POSTED: | BY: Christopher Hudson

Pet's Best is a scam

Pet's Best pet insurance is a scam. They covered nothing for my dog's multiple visits to the vet for an ear infection. They called it a "pre existing condition" because she had an ear infection years ago. Do not waste your money with this company.
5

out of 5

VETERINARIAN: Valley Animal Hospital

POSTED: | BY: Tom Termyna

Lightning fast

Claim settled in two days
5

out of 5

VETERINARIAN: Brentwood Veterinary Center

POSTED: | BY: Tom Proctor

Claims Review

"I filed an online claim with PetsBest for my dog's eye surgery. He had two cherry eye conditions repaired. I filed about a week after the surgery on a Friday afternoon. Within an hour or so I received email confirmation of my claim. By Sunday I received a detailed explanation of benefits summary explaining how my claim was handled. All of my claim went to either my co-payment or to my deductible. I fully expected that based on the coverage I selected and am paying for. I am completely satisfied with PetsBest in this instance, and I'll go on to say that all my claims over the past two years I've been covered have been handled in the same professional way. I would like to see the PetsBest EOB give me the total amount of my deductible I have reached after each claim, but that is not a dealbreaker given all the positives. Tom Proctor PetsBest Customer since 2022"
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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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