Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,940

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: Miranda

Quick, easy, and paid!

I had to take BOTH cats to the ER vet because I wasn't sure which one ate the missing strap from a camisole. I was stressed, anxious, afraid, and worried sick about my two little troublemakers, and dreaded the bill for them both. They're worth it, of course, but it was expensive and I had never filed a claim with pet insurance before and was afraid it wouldn't be accepted due to the many horror stories of pet insurance companies not reimbursing. I am so grateful to be able to say that everything that qualified to be reimbursed per the policy documents WAS reimbursed, and without counting the deductible, a $1200 visit only cost $300 in the end. I have called all of my pet parent friends and told them about Pets Best and the experience I had because we all view our pets as our kids, and want the best for them always. I have peace of mind knowing that the premium paid every month is going to an insurance company that has my babies' backs and WILL support the medical care they may need at any time. I am so thankful for PB and the ease of the claim process, especially in the midst of a stressful situation. I cannot say enough good things. This is my first experience with pet insurance and I am so glad I went with Pets Best.
5

out of 5

POSTED: | BY: Jessica Muise

We would highly recommend Pet's Best to…

We would highly recommend Pet's Best to any pet owner. Our policies give us so much piece of mind when it comes to caring for our pets for anything that might happen. We have used the claims portal successfully many times and always receive a clarification of what is covered. This was the only insurance we could find with an affordable rate and high coinsurance percentage to make it make sense economically. Don't wait until it's too late. Sign your pets up to be covered by Pet's Best so they are insured the moment they join your family.
4

out of 5

POSTED: | BY: Lex Baker

Irritating wait, but pleasant reimbursement

I am happy I got 75% of my fees back from my vet visit, but it did take 2 weeks for the reimbursement to go through, so that was rather irritating.
5

out of 5

VETERINARIAN: East Longmeadow Animal Hospital

POSTED: | BY: Jodi

Mom of 4

Fantastic! So responsive. Easy to file claims and payment is sent electronically to my account! Love Pets Best!
5

out of 5

VETERINARIAN: County Line Veterinary Hospital

POSTED: | BY: Gloria

Overall

Enjoyed Pets Best & their support staff

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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