Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,621

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.
1

out of 5

POSTED: | BY: Tom Matczak

Run don't walk from these guys.

Should have read the fine print before selecting Pets Best. You submit a claim and they look for any small print to not pay. For example, my dog had a pre-existing condition ( as they described it) on her left leg. So, no coverage, ever for that. She injured her right leg while roughhousing and they would not cover xrays or medication to diagnose the injury because they consider the legs to be one in the same. Just BS; if I break my right arm, it has no impact on the left. Will drop them like a rock now.
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4

out of 5

VETERINARIAN: Fresh Meadows Animal Clinic

POSTED: | BY: REYA

Life saver

I really appreciate how Pets Best covered the thousands of ER and hospitalization fees for my dog! Without the insurance, I could never afford it
5

out of 5

POSTED: | BY: Twilia

Happy with Best Pet

I tried to get the best pet insurance for my pup so that she would be Taken care of in all aspects of her Long life to be. I did my first claim and was very happy with the results. I plan to have her with pets best for the rest of her life.
5

out of 5

POSTED: | BY: Megan Courtney

PB comes through again

I’m giving 5 stars even though the submit claim action on the app was not working. That is usually not the case. Usually very easy to submit a claim and the direct deposit is convenient. My premiums are going up a lot this year but they are still at a competitive rate and PB has always come through. Recommend to every pet owner.
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1

out of 5

VETERINARIAN: Bayview Veterinary Hospital

POSTED: | BY: Karl

Crooks with laughable service.

I made my claim and after a few weeks I stared getting email stating that they were very busy, running behind, and that they were attempting to contact my Vet. The next email said that they tried to get a hold of my Vet but they were not responding, if they did not respond my claim would be denied. I called my Vet and they said no one from any insurance had attempted to pull information from my file, that if they had they would most certainly give it. The next email from Pets Best said my claim was completely denied, that the Vet never responded. They never once asked for my assistance, called me, or talked to me. Pets Best did not respond to any of my email. My cats issue was an emergency visit, he was very ill because his back teeth became infected. All the visits, meds, x-rays, and surgery added up to several thousand dollars. I was not expecting much, but to be flat out denied for all of it when my cats life was in peril with a choice of let him suffer or do all that I could really hurt financially. To not get any assistance from a policy that cost quite a bit really disappoints me. The should not call themselves Pets Best, they are greedy crooks.
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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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