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.
1

out of 5

POSTED: | BY: Si

What's the purpose of paying for…

What's the purpose of paying for insurance if it isn't going to cover anything? Terrible insurance. So many "rules and regulations"; robbery.
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5

out of 5

VETERINARIAN: VCA Mesa Animal Hospital

POSTED: | BY: Rachel

Pets Best is the actual best

I have had pets best insurance for years for all three of my Boston terriers. The claims process is easy to understand, my claims are processed efficiently, and the cost of the premium is very reasonable. I have had surgeries, behavioural health, and illnesses all covered. Everything from BOAS surgery to a corneal ulcer to a benign histiocytoma to behavioral health. I am consistently impressed with the high-quality of service provided by this company. I could not recommend it more highly.
5

out of 5

VETERINARIAN: VCA Mission San Jose Animal Hospital

POSTED: | BY: Kristina

Peace of Mind

"Pets Best has allowed me to get the best care for my dogs without having to worry about whether I can afford it. One of my dogs tore his ACL and all associated care was covered (minus the deductible and copay.) 10 months later, he tore the other one, and again, all covered. My other dog had a mystery ailment and x-rays, bloodwork and meds were covered. I was able to just concentrate on getting my dog the treatment she needed and that has brought me such peace of mind. I have been very happy with the service from Pets Best! "
1

out of 5

VETERINARIAN: Roseville Animal Medical Center

POSTED: | BY: Sarah

Terrible Insurance

Began my dogs insurance 3 months prior to the incident happening. Was told because she had seasonal allergies 4 years ago they would not approve her claim for antibiotics on her hotspot.. it took almost 2 months to get a response regarding this claim…highly recommend saving yourself stress and time and not going with Pets Best.
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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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