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: Carl C```

Pet Review

We've had Pets Best insurance for our dogs for a few years and having it gives us the peace of mind should anything major occur with their health. The filing process is easy, use Edge, and their response is timely.
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5

out of 5

VETERINARIAN: Oakes Animal Hospital

POSTED: | BY: Philip

Refund

Very quick refund into my bank account
3

out of 5

POSTED: | BY: danny stclair

I pay the most

I pay the most, but the insurance doesn’t cover anything. I got a puppy thinking the insurance would help with vet costs.
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5

out of 5

VETERINARIAN: Holistic Veterinary Services

POSTED: | BY: Kristen

Helped with my senior dog

I received insurance plus the wellness plan and was able to get acupuncture for my senior dog that I wouldn't otherwise be able to afford, alongside a teeth cleaning and various other vet visits. Having Pets Best Insurance has deemed worth it and has given my pet a better quality of life.
5

out of 5

POSTED: | BY: Jenni

Happy to Be Wrong!

Our sweet 1 y/o pup was not eating and suffering from diarrhea when she suddenly lost the use of her back legs, which was terrifying and heartbreaking. She had to spend a full weekend in the ER with films, ultrasounds, and a neurology consultation. This was a hefty bill which we tearfully paid with a credit card and kept fingers crossed we could get some reimbursement from PetsBest. In only two weeks, we discovered that PetsBest was true to the policy and paid exactly what our plan indicated with no fights or arguments. This brought us to tears and affirmed our decision to invest the money into her healthcare. We will never doubt PetsBest again.
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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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