Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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

VETERINARIAN: All Creatures Animal Clinic

POSTED: | BY: Betty

Rate Increase

My dog was diagnosed with hip dysplasia when she was just under 5 years old. She was born in 2016. I am a Certified Canine Practitioner & was working at that time. I had signed up for insurance previously. My policy covered major illnesses plus acupuncture & physical therapy, including laser treatment. It did not cover routine care. Since I was working, I was able to treat her hip dysplasia without billing her insurance until 2021. From 2021 to 2024, insurance paid 80% of her meds and laser treatment with reasonable increases in monthly payments. My dog turned 11 in October of 2024 and then I received a notification that her payments would increase from $117 to $ 203.00 per month. I consider this to be excessive when nothing had changed except her age. My conclusion could only be that Pet's Best did not want to fulfill their obligation to pay for her care unless they could charge me an outrageous fee. I canceled the policy and would not recommend them under any circumstances.
3

out of 5

POSTED: | BY: Jason

Very Poor Customer Service

I loved Pet's Best at first. Bragged to everyone about them. My first couple of claims went smooth. But this last experience forced me to cancel. It took about a month for them to communicate with me. I thought they ghosted me. The reimbursement was fine. I called customer service because I wanted to talk to an agent to see if I needed to adjust my policy. After you press 1 for this, 2 for that, 3 for this, 4 four for that, you think you are finally getting through to someone...NOPE! I waited on hold for nearly 20 minutes then hung up because I was at lunch. Called the next day and was hold for 23 minutes before I got through to an agent. After feeling ghosted then spending 43 minutes on hold I was irritated so I decided I would cancel and go to another provider. You cannot cancel online! You have to call the phone number again and go through the maddening process to speak to someone. I am glad I made the decision to cancel after being treated like I was not valued for my business.
5

out of 5

POSTED: | BY: Jen Green

easy to submit claims and fast turn…

easy to submit claims and fast turn around .
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5

out of 5

VETERINARIAN: Morro Bay Veterinary Clinic

POSTED: | BY: Holly

Pets Best Insurance

I have a young rescue dog that was diagnosed with valley fever. I am so grateful to have Pets Best Insurance. Without this insurance I would not be able to help my dog get better. We still have a long road ahead, it is such a relief knowing I have this insurance. I have called customer service with a question, and they have been great!
5

out of 5

VETERINARIAN: South Buffalo springs animal hospital

POSTED: | BY: Lorraine

Best insurance ever!

So very happy I got Pets Best insurance. I also thank my Vetinary office staff for filing the claims so fast after visit. My claims are processed, I’m notified that the claim is being worked on and within days the money is back in my bank account. It is the best insurance for your pets.
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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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