Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,902

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: Ryan Gottlieb

Worth every penny

We have used pets best for our last two dogs. Our oldest who’s only five years old has had three major incidents that were all covered by pets best. They were quick to pay any claims. I think our rates are fair especially with what they’ve covered. We are 100% thankful for them and will use them for every one of our pets moving forward
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5

out of 5

POSTED: | BY: Grecia Barry

PetsBest covered my cats surgical…

PetsBest covered my cats surgical repair for a fractured leg without any hassle. The claims process was straightforward and simple. It really gives me peace of mind having pet insurance.
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5

out of 5

POSTED: | BY: customer

Quick claims processing

I sent the claims in (first ones of the year) they quickly processed them and are sending me a check to reimburse my payment to the Vet. Like my personal health insurance it is easier to make a monthly premium payment and then get the MD/Vet bill reimbursement...great insurance.
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1

out of 5

VETERINARIAN: Colonial Veterinary Clinic

POSTED: | BY: J

Pets Best? Hardly

I think we've figured out the business process at PB insurance. It's an effort to focus exclusively on a marketing budget on dog and cat stock photos and not any work or effort into actually covering things that happen to policy holders' pets. It's not clear to anyone I know that has Pets Best insurance why we actually have policies anymore, we don't think we've had anything reimbursed in months (including preventative measures to avoid future costs). Not sure what we are paying for in premiums which are almost $800 a year for a healthy 1 yr old small dog. We'll be switching insurance immediately, even if pre-existing conditions are factored in instead of flushing money down the drain with Pets Best.
5

out of 5

VETERINARIAN: Vista Pet Hospital

POSTED: | BY: Andrea

The best!

Can’t believe I am raving about an insurance company but simply put Pets Best is seriously the best for your 4 legged family! Worth every penny!
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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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