Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,607

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: Terry K.

The people that work there are…

The people that work there are wonderful. I just submit my claim and they take care of the rest. If I have any questions they are more than willing to explain it to me.
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5

out of 5

VETERINARIAN: Arroyo Veterinary Hospital

POSTED: | BY: LUke

Sonoma Cat Dad

I have been a loyal customer of Pets Best pet insurance and Arroyo Veterinary Hospital for several years, and I couldn't be happier with the coverage and care provided for my beloved pets, Mia and Felix. From routine check-ups to unexpected emergencies, Pets Best has consistently offered reliable and comprehensive support. The claims process is straightforward and hassle-free, allowing me to focus on my pets' health rather than paperwork. The customer service team is always friendly, knowledgeable, and ready to assist with any questions or concerns. Thanks to Pets Best, I have peace of mind knowing that Mia and Felix are protected and well-cared for. I highly recommend Pets Best to any pet owner looking for top-notch insurance coverage.
5

out of 5

VETERINARIAN: Faithful Friends Veterinary Care

POSTED: | BY: Rachel

Fast and Easy with Good Coverage Options

The submission process is super easy, the explanation of benefits form you get is very straightforward, reimbursement is usually within a couple weeks (though it can get slower in the summer), and it's kept me from going into some pretty crazy debt over my dog. I do have the highest possible coverage because my pup has some serious chronic health issues (90% coverage), and I'm paying less for insurance than I would for all her procedures and meds. After seeing how high a vet bill can get in a hurry with one major incident, I don't think I'll ever have an uninsured dog again.
5

out of 5

VETERINARIAN: Moreland Animal Hospital

POSTED: | BY: DARRIN

Torn Ligament

"I've used Pets Best for two dogs and can't praise them enough. From copperhead bite, plastic stuck in intestine to the most recent torn ligament. They have always come through for us. Reimbursement check comes very quickly too!"
5

out of 5

POSTED: | BY: Jenna Patel

The process is so easy

The process is so easy. I submitted the receipt of my dog’s recent vet visit and within a couple days I received an email back about what I would be reimbursed. And they covered much more than I thought. Definitely worth it to have pets best insurance!
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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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