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

VETERINARIAN: Animal Alley Veterinary Hospital

POSTED: | BY: Emily Cannova

Pets Best is awesome

They always make it so easy to make a claim! I just submit my vet receipt and they send me a breakdown of what is covered and what isn’t. My dog has allergies and is on injections and pills for it. I recently got her allergy tested and started immunotherapy drops and they covered a lot of the testing and the medication!
5

out of 5

POSTED: | BY: Chrissy

I have had 3 pets insured with Pets…

I have had 3 pets insured with Pets Best and so far my experience has been great! As pet parents we always hope we don’t have any major health issues and vet expenses, but I recently had this happen with a young dog and it has been stressful. Pets Best has helped make the situation much less stressful since I didn’t have to worry about vet bills and I’m so thankful for that. I will never own another pet without insurance.
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5

out of 5

VETERINARIAN: Pet Emergency Center, Mt Vernon, WA

POSTED: | BY: Heather Perry

First ER Trip with My Best Girl

As a first-time pet "owner," pet insurance was something I hoped I'd never have to use, and for nearly 6 years I barely did with a healthy girl and nothing that ever exceeded the $500 deductible on my plan. Still, I've always appreciated the piece of mind that Pets Best offered and the clean user experience of their app and website. Then, a few weeks ago, my girl sliced open a section of her back running top speed too close to an old piece of farm equipment. After a long, emotional day, she was stitched up (and doing great thanks to the excellent care of the team at Pet Emergency Center in Mt. Vernon, WA) and I didn't think twice about paying the $1,500 ER bill on a credit card. Filing the claim to Pets Best was a breeze and I got an explanation of benefits within days that reassured me that a reimbursement was already on its way to my bank account and would cover what I expected (full amount minus the deductible and co-pay). I submitted my claim on February 7th and reimbursement was received on February 20th. Pup is doing great and I'm a very relieved and grateful dog mama.
5

out of 5

VETERINARIAN: Corbin Animal Health And Wellness Center

POSTED: | BY: Teena Sewell

High Satisfaction

story: "I've had Pets Best insurance for both of my Cavaliers for almost 3 yrs. It's amazing how fast the reimbursement process is accomplished. I have 2-3 claims a month bc one of my dogs has a heart condition. I've only had difficulty with one claim and that was because my Vet repeatedly neglected to send the information requested. Pets Best was in no way at fault for the difficulty and tried numerous times to get required information. I would choose this insurance over and over. They cover the conditions/issues they say they will. It really is the BEST!
5

out of 5

POSTED: | BY: C M

Pets Best… best decision I ever made!

I honestly don't know what I would have done without Pets Best. As my three dogs have gotten older, there have been several tests, cancers and surgeries that have needed to take place. Having Pets Best insurance has been invaluable in allowing me to make the right decisions for my dogs, as well as enabling the best care for them as they age. In addition, the turnaround time on processing claims has gotten much faster! In most cases, I have already been reimbursed in time to make my credit card payment… which has been so appreciated. Thank you, Pets Best, for helping me care for my girls with the dignity they deserve in return for all the unconditional love they give! 🙏
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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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