Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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: JoVanna Balquier

Canine Lymphoma

I signed up for pet insurance on a whim a few years back after a nail clipping incident that led me to a deep internet dive about nail conditions that my dog may develop. I thought I would need the insurance for this condition (that he never ended up getting thank god) or for an emergency, never imagining that we would receive the awful diagnosis of canine cancer. Because of Pets Best we were able to pursue the most effective treatment without second thought, knowing that the costs would not bankrupt us, and now our sweet Rottweiler is in remission. Filing a claim is easy and reimbursement is generally quick. If there is ever a delay, then it is communicated. I wholeheartedly recommend Pets Best!
4

out of 5

POSTED: | BY: John

Relatively painless experience

Relatively painless experience. I never felt like I was fighting for payouts. Everything that should be covered was covered with minimal (if any) denials. Two issues that kept me from giving 5 stars: 1) annual rates skyrocketed over the life of the pet (understandable, but still sticker shock), and 2) payouts were often months after the fact. If you can financially weather that, then no problem, but if paying a bill and waiting several months for reimbursement would disrupt your life, you should maybe look elsewhere
5

out of 5

POSTED: | BY: Alicia

Works really fast and is detailed

Works really fast and is detailed. Easy to use and straight to the point.
5

out of 5

POSTED: | BY: tiffany vogler

My experience with PetsBest is always…

My experience with PetsBest is always great! Very quick to reimburse on a claim and they communicate well with where they are in the process.
5

out of 5

POSTED: | BY: Capri Houston

⭐️⭐️⭐️⭐️⭐️ Highly Recommend Pets Best!

I’ve been with Pets Best for quite some time, and I can honestly say I’m so grateful for their support. Out of nowhere, my dog was diagnosed with epilepsy — something I never expected to face. It was such a scary and emotional time, but knowing I had Pets Best behind me made all the difference. Thanks to their coverage, my dog is now doing great on his medication, and I’ve been able to focus on his health and happiness instead of stressing about finances. Pets Best has truly helped ease the burden, and I feel like I’m part of the Pets Best family. Their compassion, reliability, and understanding during such a difficult situation gave me real peace of mind. I’m so thankful for the security and care they provide — I couldn’t imagine going through this without them!

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.

Get a quote today

Leave a review