Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,615

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: Lucy

Claim process was easy and smooth

Claim process was easy and smooth. From the date I uploaded the bill and invoices, it took less than 2 weeks to receive the money I need. Customer service was good too.
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1

out of 5

POSTED: | BY: Kelly Work

Loyalty doesn’t matter any longer. So Sad!

Had to cancel my policy have been a customer since the day I got my French Bulldog at 8 am weeks old. I had done extensive research on pet insurance companies & had Pets Best lined up before I even had my frenchie in my home so I have been devout customer for 3 years and 2 months! Very disappointed that the representative didn’t even try & keep us as customers actually felt like she may have been doing something else as well, it was Friday afternoon. Just felt very insignificant after our loyalty to Pets Best. But finding out loyalty doesn’t really matter anymore. What a shame.
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5

out of 5

VETERINARIAN: Cheyenne Pet Clinic

POSTED: | BY: Tobias Anne

Well Worth It!

"I have 3 rescue cats. All of them young and related. They are indoor only cats but that doesn't mean they don't have accidents, illnesses, and regularly need to see their Vet for wellness visits. I learned a long time ago that you need to have really good pet insurance. Pets Best is by far the most comprehensive pet insurance I've had. They are very transparent with your costs and reimbursements. They are easy to get in touch with for assistance and I find filing a claim online to be simple and straightforward. My male cat dislocated his knee and had to have major surgery which was expensive. Pets Best covered this. We have no idea how he did it but at 2 years old, he clearly believed he could fly. Perhaps he had to learn the hard way that he's not a bird. His mother and sister suffered from urine crystals and we have been working with our Vet to clear this up as the little girl cat developed stones, which is quite serious. Pets Best covered their tests and medications which is substantial. Pets Best is an essential for my ability to take care of my cats. They allow me to keep my fur babies in excellent health. I am very pleased with their service. "
5

out of 5

POSTED: | BY: Into Thevoid

Gave our girl a fighting chance with IMHA

Our girl Rylee was diagnosed with IMHA at the end of August 2024 after an emergency visit to an animal hospital 1.5 hours away. You guys made making the decision for her treatment so much easier. She needed 12 days of hospital stay, multiple blood transfusions, and 8+ medications. The cost wouldn't have been possible without you. You made all of our claims so smooth and although the outcome wasn't what we wanted, you at least gave us the ability to give her a fighting chance and we will NEVER be able to thank you enough.
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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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