Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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: Tufts Veterinary Emergency Services

POSTED: | BY: Luca S

Way simpler than expected

My cat ate polyester stuffing and had to go to the emergency vet. The claims process was extremely easy and everything was processed rapidly. I appreciated the clarity of the EOB too. Overall, I wish my human health insurance operated to the same standard of professionalism!
4

out of 5

VETERINARIAN: SoMa Animal Hospital

POSTED: | BY: Tracy Moon

So far, so good…

"All insurance policies are needlessly too complex to fully understand, and too much is left to the subjective opinion of the insurer, rather than the considered opinion of the doctor. That said, I pay a small gortune to get the highest coverage gor my two dogs, and Pets Best has proven to be as responsive and, fair as any other pet insurance I have tried over many years. So, I can recommend them : )
5

out of 5

POSTED: | BY: Adam

The best possible decision I could have…

The best possible decision I could have made for my dog. They have helped me stress less about taking my boy to the vet every time I think something is wrong
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4

out of 5

POSTED: | BY: Scott Cannon

Kind of slow processing claims.

So far they have been okay to deal with. They seem to always want more information which was already sent into them. They aren't the quickest at paying claims, but I've not experienced using any other companies.
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5

out of 5

POSTED: | BY: vandell

Consistently Bringing Ease to Me &…

Consistently Bringing Ease to Me & Kitty I have had Pets Best for two pets now and it has made caring for my fur-babies infinitely easier. I feel at ease when emergencies / new illnesses occur because I know I have the kind of pet insurance that follows through when it matters most. I cannot thank Pets Best enough for helping me through one of my cat's cancer and even covering end of life services. The least I can do is share my experience in return. The process is easy. They shoulder the burden of verification and have an amazing system established, so their customers can focus on their pet's needs rather intense bureaucratic hoops. They are quick at streamlining claims so that you receive funds surprisingly fast. I am sure most of their customers are simply grateful they exist.
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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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