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: Phoenix Dog Cat Bird Hospital

POSTED: | BY: Mary Harrer

Jasmine

"When Jasine was 3 she came down with a chronic immune disorder. PetsBest has been amazing through this. Having them has kept me out of debt. Jasmine has had 3 ER stays with about 5 transfusions and sees a specialist now. I am grateful for PetsBest every day. I am so grateful to see my little girl full of life. She is a little firecracker! The journey to her health would have been so much harder without PetsBest. They are great. Thank you PetsBest! "
4

out of 5

VETERINARIAN: Animal General Hospital

POSTED: | BY: ALFRED GREEN

Jagger's Claim

Claim was filed weeks after vet services, confirmation email that claim was received the same day. Reimbursement in less than 5 days, very efficient and professional. Dr. Alfred Green, Jr. (Jagger's Daddy)
5

out of 5

POSTED: | BY: Magnolia Scott

Very Fast

I submitted a claim for my dog eating a chicken bone. The entire process was quick and efficient. They explained what was paid, what wasn't and why (deductible, co-pay, etc)
5

out of 5

VETERINARIAN: Florida Animal Care

POSTED: | BY: Dennis Hoecherl

Bella's cancer journey

Bella is an 11 year old westie. She was diagnosed with tcc bladder cancer in June 2023. Pets Best has allowed me the financial support to provide her the best possible treatment for this horrible disease. She continues to receive treatment to help stabilize the tumor and maintain quality of life. I appreciate Pets Best.
5

out of 5

POSTED: | BY: Ariel Pund

Faulty Eye Lid

Our most recent rescue was found on the streets. With no medical history we adopted him and focused on getting him up to date with all normal shots and a healthy weight. We later learned that he suffered from entropion in one of his eyes. As it continued to bother him and we saw less and less of that eye ball due to irritation of the globe, we decided to put him in for surgery to get it resolved. He is a very pretty boy with two big full eyes now. After the surgery, I snapped a few pictures of our bills and received a substantial amount of our cost back from Pets Best. The process took 15 mins for about $800 reimbursement. It was well worth it and we're happy we have Alfie insured.
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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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