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

POSTED: | BY: Larry Walker

Very pleased!!

Although I was quite skeptical of pet insurance I am absolutely amazed of how pleased that I am with Pets Best Health Insurance. We adopted our kitty from a shelter and had no idea of her history. She has dealt with some significant medical issues that were pre-existing and we thought that she was healthy. About a year later she developed a condition that left her unable to use her back legs. We immediately took her to a veterinarian where she received outstanding treatment. She is now healthy again and Pets Best processed the claim within twenty-four hours. Thank You!!
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5

out of 5

VETERINARIAN: VCA El Mirage Animal Hospital

POSTED: | BY: Vincent

Pet's Best Comes Through Again

Once again Pet's Best has my (and my dog's) back. I recently had a particularly complicated claim, and Pet's Best needed to reach out to my Vets for additional backup documentation. They communicated with me throughout the process, kept me up to date on status. Not all expenses were covered but Pet's Best clearly explained the benefits in accordance with my policy. My Vet mentioned that having the procedure has helped his life prospects and quality of life, and having this insurance helped make the decision easier. I tell all first time pet owners how having pet insurance has helped us and our dog, and that Pet's Best has been very good to work with. My wife was skeptical about buying pet insurance, but has since seen the benefits. Having the insurance has truly helped make some of the tough decisions around our dog's healthcare a little easier to make. Thanks again, Pet's Best!
1

out of 5

POSTED: | BY: Monica Potter

Stay away from pets best

Stay away from pets best. Find a different pet insurance company. They are crooks and will rip you off. I had insurance with that company. I am sorry I did. I canceled the policy on my 3 pets because I couldn't get ahold of customer service without being on hold forever. They took money off the card I had on file when I didn't owe them a dime. I'm glad I canceled. If I needed to use the insurance I'm positive I would have problems submitting a claim and getting paid like so many other people left reviews about.
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5

out of 5

POSTED: | BY: Joe S

Great Pet Insurance!

It is very easy to submit a claim and if you have any questions there is always someone on the phone who can help you. I can not say enough good things about Pets Best. I am so glad we got this insurance for our dogs.
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1

out of 5

POSTED: | BY: Patrick Ralston

The copay and coverage was incredibly…

The copay and coverage was incredibly disappointing. I wasn't even aware that we had an obnoxious copay. $180 a month for two dogs with no issues for the last 4 years and they cover half of an emergency vet visit. Gross.
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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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