Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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

VETERINARIAN: Happy Paws Pet Hospital - Affordable Vet Clinic Las Vegas

POSTED: | BY: Sherrie

Cooper's Claims

"Cooper had an urgent situation that required surgery. I submitted my claim through the Pets Best portal and within a short time I had confirmation that the claim was received and was in review. I did not need to provide any additional information, and the reimbursement was deposited into my bank account within 7-10 days. It was a smooth, and stress-free claims experience.
5

out of 5

POSTED: | BY: Doug

First time submitting claims - great experience

First time submitting claims. The process was extremely simple and got notification via email that they were submitted. One claim results came back right away and the other just a few days later after the weekend. I submitted one not knowing whether or not the items would be covered since we had a bump removed that turned out to be a mast cell tumor during a regular teeth cleaning. The claim representative was quickly able to determine what was covered and what was not within that bill which is hard for people not in the business to decipher. The checks came promptly. Glad we have Pets Best insurance for our dog. Helps us be at ease during this time and just focus on his health.
1

out of 5

POSTED: | BY: Tonya Fritsch

DO NOT WASTE YOUR MONEY!

DO NOT WASTE YOUR MONEY! They deny everything they don't keep up on individual state laws, they will deny e3in hopes that you won't fight them. They denied claims that were done by a Vet Tech at CAN NOT work without being under the supervision of a veterinarian. And what did Pest Worst do, denied, so now you to appeal which is total BS. I hate this company with a passion!!!
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5

out of 5

POSTED: | BY: Russell

5 year customer and very satisfied!

I've had Pet's Best since my two current dogs were puppies in 2021. They've always been reasonable and consistent with claims and have always processed them very quickly. The latest ones that were completed were done so just a few days after they were submitted.
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3

out of 5

POSTED: | BY: Sheryl

I was disappointed

I was disappointed with how much we are getting back from Shylo's vet visit. But you are supposed to be the best vet insurance on the market, so I trust you to treat us fairly on helping us with Shylo's vet bills.
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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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