Pets Best | Pet Insurance Review

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: Sandra Cress

Easy claim process

"I dragged for a year before I submitted my claims out of fear that the process would be long and stressful. I was 100% wrong. When I finally decided to submit my claims, all I had to do was click one button and submit my pet invoices. That was it and received payment in just a few days."
1

out of 5

POSTED: | BY: John Schaver

I'm sorry I switched to Pets Best

I filed a claim for my 6yo Tibetan Terrier's ear infection which occurred within the 14 day waiting period. It wasn't covered, which I completely understand. However, it is now deemed a pre-existing condition, and any ongoing issues she may have due to this infection or any ear infection from here on out will not be covered. Even if it's in the other ear? Also, Pets Best excludes medicines, which were covered by her previous insurance., Read the fine print. And if you have a question that isn't in the FAQs, be prepared to go through a many call prompts and an extended wait time on the phone.
5

out of 5

VETERINARIAN: Halifax Veterinary Center

POSTED: | BY: Stewart Verge

A Reliable Partner

After 5 years with Pet's Best insurance I can say that they've been a reliable partner in the care of my pet. The claims process is simple and quick. You never get the feeling they're trying to get out of pain your claim if it's legitimate. I will continue to use them as my pet insurance provider.
5

out of 5

POSTED: | BY: Deborah

Excellent policy - I am completely satisfied!

My dog developed several illnesses several years ago and Pet's Best processed my claims quickly and fairly. I recommend them highly!
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5

out of 5

POSTED: | BY: Sheri

I’ve had Pets Best for a couple of…

I’ve had Pets Best for a couple of years now. Unfortunately I’ve had to use them a couple of times for various illness and injuries. They have always been easy to work with, very prompt and have always accepted my claims.
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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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