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: Jianna

Great experience through tough times

My dog had to have hip surgery due to repeated dislocations. The dislocation happened out of nowhere without any trauma or apparent cause so it was very sudden and stressful. We tried repeatedly to put the hip back into the joint to avoid surgery but his ligaments were too torn and surgery was the only route. Pets Best has been great throughout. Gave me peace of mind knowing we wouldn't be in crazy debt due to this.
5

out of 5

VETERINARIAN: Weston Veterinary Hospital

POSTED: | BY: Steven

Fur baby Maggie

Easy to submit a claim. Fast response. Peace of mind k Kai g we have Maggie covered if an emergency arises.
5

out of 5

POSTED: | BY: Alex B

Satisfied Customer Over Multiple Years

This was my first experience with pet insurance and we have now had Pet’s Best for a few years now. We chose a plan with a high deductible and didn’t need to submit any claims for multiple years. That changed when my dog was later diagnosed with a chronic disorder. The reimbursements have been consistent and timely I can easily submit claims online or through the app and receive an explanation of benefits each time. It takes less than 5 minutes to submit a claim and they are processed quickly. While the price for insurance does rise each year due to my pets getting older and healthcare inflation, the increases are reasonable and have not prompted me to look elsewhere because I am treated so well here.
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1

out of 5

POSTED: | BY: Paula

Thumbs down for Pets Best

Pets Best NEVER resokve the claim in my favor, and they take ages to respond.
1

out of 5

POSTED: | BY: Pacharaluck

I will change insurance company

Your company is extremely unprofessional. Not only are claims processed very slowly, but there are always excuses for why I don’t receive reimbursement—even when the policy clearly states that I should. In my previous two claims, I was repeatedly told that documents were missing, despite both myself and my dog’s veterinarian submitting everything required. This pattern of disorganization and excuses makes it feel like your company is intentionally avoiding approvals. On top of that, your recent internal changes have made it nearly impossible to contact customer service. My calls are never returned, and reaching support is frustrating. I will be switching to another insurance provider as soon as possible. I am completely exhausted with the claims process and dealing with your company.
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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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