1
out of 5
POSTED: | BY: Bri L
Premiums doubled for no apparent reason
Why the heck did my annual premiums almost double this year!!?!
Read more on Trustpilot
4.9
out of 5
Number of reviews 14,162
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: Gerry Burg
Great service
"The claims process was very easy and efficient. Clear instructions and convenient submission procedures were very helpful.
Processing time was acceptable and claim explanations were clear.
Overall, a positive experience. "
5
out of 5
POSTED: | BY: Paulina Chin
Pets Best has been able to help me with my dogs
Pets Best has been able to make my experience taking care of both of my dogs, one with seizures and one with cancer, much more bearable. I love my dogs and I want to try to do all I can to keep them in my life as long as possible. Thank you for helping me do that.
5
out of 5
POSTED: | BY: Chris T
Superb Customer Service
I filed a high-expense claim in Nov 2024 for my puppy illness. I became concerned when more than a month went by without payment. I called Pets Best customer service, and was helped by Linda. She looked up my claim, agreed that something wasn't right, and sent it to be reprocessed. I received the reprocessed claim within a day! Linda was understanding, receptive and personable. She explained the recent exponential growth of the company, and I completely understood this was a very challenging hurdle. Thank you Pets Best and Linda. I am happy to be your customer.
5
out of 5
VETERINARIAN: Lighthouse Pet Clinic
POSTED: | BY: Martha Suhr
Christmas Eve Emergency
"My young dog got sick on Christmas Eve and had to go to the emergency vet. Of course, they did lots of tests and procedures to find out what was the problem. After several hours he was able to go home with 2 medicines and orders for his care. Thankfully I had Pets Best Insurance to help with the expense! It was a good Christmas after all."
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 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.