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

VETERINARIAN: FORTY32 Animal Hospital

POSTED: | BY: Tracey Christy

This insurance is a joke

I filled a claim (over $300) Most of the insurance payment went to deductible and co-payment. I am receiving $15. We pay over $50 per month. I will be canceling.
5

out of 5

VETERINARIAN: Surprise Animal Hospital & Grooming

POSTED: | BY: Mary Smith

Very Helpful

I was devastated to learn my bull mastiff pup of 2 years developed Valley Fever, a debilitating disease common in desert areas. The treatment is costly and long term, but with the proper care and medication, can be minimized and hold lung and bone damage to a minimum. It was so easy to file an insurance claim with Pets Best. They assigned an adjuster immediately who made contact with me and explained the terms of my policy. Their reimbursement program was prompt and really helped out during this time. Thanks to you all! Bear is doing pretty well
4

out of 5

POSTED: | BY: Lindsay

Great but costs increase significantly yearly

I've had a great experience with Pets Best. They've not given me a hard time with any of my claims and I appreciated they were the only insurance that would accept my 13 year old dog some time back. My only complaint about them is they doubled the price of my insurance in less than a year for a less than 2yr old dog. They also seem to increase a good amount every year. Based on what I've seen thus far, if you have a puppy and have that dog for at least 12 years, your monthly cost will likely be $300+. Nobody is going to pay that nor most can't afford it, so customers will be forced to insurance hop. Wish they didn't increase so much as I'd love to stay with them, but this isn't affordable. I don't even pay that for my own insurance. I would have given them a five star of it wasn't for the significant cost increases.
2

out of 5

POSTED: | BY: Robyn Manners

Unethical/Fraudulent Behavior

After a few years of paying for insurance for 2 dogs decided to not renew anymore because was not seeing the benefits for as much as I was paying. So when one dog's insurance came due in October I cancelled but then the company came after me for $11.43 for the whopping multi-pet discount on the other dog's insurance that was paid in July in full for 1 full year and i had to pay or the policy would be cancelled even though it is paid to run through 6/19/25. SO they are charging me for a past bill that was already paid because now there is no longer a multi-pet discount. I can see going foreward on my next bill should I choose to renew only the one dog again for some reason to not get discount but not lets go back on past bills and charge money. Also, if I don't pay this $11.43 by 1/1/25 they will cancel the policy that is paid for up until 6/19/25 exept this backpay of $11.43 they want for the multip-pet discount that occured a couple months after the fact when not continuing insurance with them for the other dog. I filed with BBB, leaving all the reviews I can find and believe mean everyone I come in contact with will hear my experience and will definetly not recommend PETS BEST for insurance. I hope they have the day they deserve!
2

out of 5

POSTED: | BY: Joshua Velasquez

The amount that I’m paying has gone up…

The amount that I’m paying has gone up and the amount being covered is less. I’m very disappointed in how much I’m paying for insurance but barely covered 40%. The coverage I have is suppose to cover 70-80%

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.

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