Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,177

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

VETERINARIAN: Dr. Tiffany Abernathy, Freeland Animal Hospital

POSTED: | BY: DIANE P GLASSEL

Pets Best Insurance is the Best

I am very pleased with my insurance coverage with Pets Best. I purchased the Wellness and the Illness coverages to make sure my little girl gets the best treatment. I chose the 90% reimbursement and no limit on the regular coverage, at less than $100 a month my girl is completely covered from head to tail. Pets Best paid my claim fast, their service is awesome, their people are wonderful, helpful, courteous and friendly. All of which makes for a great experience when you have to use your insurance. I will keep Pets Best. It is definitely one of the best insurance carriers for animals. If anyone needs insurance for their pets, you should check out Pets Best.
5

out of 5

POSTED: | BY: Sophia Cheung

Best insurance for my baby

Got this for my fur baby before she was 1 years old and unfortunately have had to file a few claims already. The file a claim process is super easy to use and quick to reimburse you. So happy to have this for my baby. Makes life so much less stressful.
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5

out of 5

VETERINARIAN: Tracey Morris of Coastal Vet Dunedin Florida

POSTED: | BY: lisa segal

Totally Satisfied!

Our 5yo pup ate an entire rotisserie chicken, bones & all. She was in visible distress so close to 3k later was feeling better. Pets Best was super easy to deal with. Communication regarding claim progress was excellent. Overall, we are very happy that we are with Pets Best.
2

out of 5

POSTED: | BY: Jordan S

PetsBest does NOT listen

PetsBest has done this again and again. They again declined to reimburse a diagnostic test that was used to diagnose an illness, simply assuming that it was preventive care/wellness test. I made it very clear in my notes when submitting the claim, however, they simply ignored it again. This leads to re-review and/or appeal of the claim. PetsBest does not listen to my feedback. While overall I am somehow satisfied with this insurance company, this part has been frustrating.
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5

out of 5

POSTED: | BY: Rich Radice

Very pleased

Generally very pleased with the experience. I have made several claims and the processing has been very straightforward. Most impressive was the phone support. I had a question regarding coverage and the woman who answered was delightful and DOMESTIC! She was knowledgeable and reassuring and, above all accurate. I have been a policyholder for 3 years and would highly recommend Pet’s Best. Keep up the Great Work!!!
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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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