Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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: Noah's Landing Pet Care Clinic, LLC

POSTED: | BY: Vanessa Ochoa

Peace of mind for my pets

I’ve had Pets Best for years, and I’m so thankful I chose them. It’s honestly been one of the best customer experiences I’ve ever had. Every time I call, the team is helpful, patient, and answers all my questions. Claims are processed quickly and smoothly, which makes such a difference when you’re focused on your pet’s health. I recommend Pets Best to everyone I know. I even have a young pup at home who’s been insured since he was a puppy, and I’ll continue to insure all my pets with them. I wouldn’t go anywhere else.
3

out of 5

POSTED: | BY: Cheryl Wegner

I am not being reimbursed as often as I hoped

I was disappointed this time about an ear infection not being covered as a illness. It was not a condition for which she had been previously treated so I believed it would be covered. It was discovered at her annual checkup but was a new illness.
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1

out of 5

VETERINARIAN: Advanced Veterinary Medical Center

POSTED: | BY: Javier Moreno

Wonderful Support Until a Policy Miscommunication

I was with Pets Best for several years and they were wonderful — they helped keep my dog Princess healthy and covered many of her treatments without issue. I’m genuinely grateful for that. However, when I lost my job and had to leave the country for a few months, I was told over the phone that I could reactivate my coverage once I returned. Unfortunately, when I came back, I was told that wasn’t possible. I understand policies have rules, but if a representative gives that kind of information, it should be honored. It’s disappointing because I truly trusted Pets Best and wanted to continue with them. I still think they’re a good company overall, but my experience shows they need to be more consistent and transparent with what they tell their customers.
2

out of 5

POSTED: | BY: JLee

Just slow and not the best insurance

Claim processing is rather slow. Customer service is rather slow. I should’ve done more research before signing up with them because now that I know there are definitely other insurance companies that are better and at this point I’m kind of stuck with them because another insurance company won’t cover anything that’s already been covered they can consider it pre-existing so my dog deals with allergies and if I go to a different insurance company, they won’t cover the allergy treatments now. But at least it is some insurance and it’s somewhat covered so at least I’m getting something back although at a delayed pace and not at a high rate.
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5

out of 5

VETERINARIAN: Avery Ranch Animal Hospital

POSTED: | BY: Rosa Palacios

Best Pet Insurance

Pets Best is true to its name. It is easy to file and they respond immediately.
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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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