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.
1

out of 5

POSTED: | BY: Customer

PetsBest Is NOT There When You Need Them

I recently submitted my first large accident/emergency vet visit claim to PetsBest. I have been a customer with them since 2022. The incident with my pet happened in the days leading up to Christmas, and emotions were high. One of the only things keeping me calm throughout the harrowing (and expensive) ordeal, was the thought that the claim I would be filing was surely going to be reimbursed. To my utter dismay, my claim was fully denied. Upon further investigation, the underwriting company incorrectly categorized my pet's "condition" and subsequently associated it with what they deem to be a "pre-existing condition". This is lazy and unacceptable on PetsBest's part. I now have to spend my time gathering "evidence" for an appeal. To add insult to injury, they're raising my yearly premium. Not sure why I bother paying for pet insurance when I can't count on my claims to be covered. Their customer service is mediocre at best, as well.
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5

out of 5

POSTED: | BY: Mark

Claim process is easy and refunds are timely. Plans are customizable to fit you budget

Claim process is easy and refunds are completed in a reasonable amount of time. I've been with Pets Best for 3 years. We have 6 year old female Doberman who has had some health issues and they have never denied a claim including Holtor Monitoring, MRI’s, Spinal Taps, Gastrointestinal and Orthopedic Surgeries. Plans are customizable to fit every budget! I highly recommend Pets Best!
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5

out of 5

VETERINARIAN: Jackson Animal Hospital

POSTED: | BY: Briana Olivares Rodriguez

Osteosarcoma

"My dog Fiona was diagnosed with osteosarcoma which is a devastating diagnosis, but Pets Best has been there all along, first for the amputation of her leg and then for the chemotherapy. Fiona is tolerating chemo well and is headed into her last round. Pets Best reimbursed 90% of her amputation and 90% of each of her chemo treatments and the money was deposited in my account before my credit card was due. Fiona and I are very thankful that we chose Pets Best. It has allowed her to live a longer quality life and we are very grateful for that.
5

out of 5

VETERINARIAN: Santa Cruz Veterinary Hospital

POSTED: | BY: Ron Evans

Just like breathing, smooth and easy

Very easy to put in a claim most claims have been paid. I think they paid a total of $50,000 in claims for our dogs two of them had cancer. Could not be happier. I’ve sent between 12 and 15 people to pets best and always recommend them when I’m in a clinic if I see somebody Sitting in the waiting room with me.
5

out of 5

VETERINARIAN: Veterinary Emergency Group

POSTED: | BY: Kristine Faubel

Successful Claim Submittal and Reimbursement

I submitted multiple claims for my dog's recent injury and all were processed successfully. I was very pleased with the quick responses I received regarding each claim. It was a relief knowing that Pets Best met our needs during a stressful time for our dog's care.
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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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