Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,119

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: Washington Ave Animal Hospital

POSTED: | BY: Erica Berman

The claims team handled everything

I only had to upload one invoice and Pets Best did the rest. The appointment was to followup on his kidney condition and to discuss his anxiety, but we also did his yearly vaccinations. The team at Pets Best was able to properly break out my claim based on my coverage and provided good detail as to why certain things were not covered and why some were. It was a smooth process that did not involve any additional explanation from me. Highly recommend.
2

out of 5

VETERINARIAN: Parrish Veterinary Clinic & Urgent Care

POSTED: | BY: Bill Gray

Service needs improvement

Title says it all. The service needs improvement. I submitted 3 claims the same day. 1 was taken care of, but the other 2 haven't been touched. I try and chat in, they just reply with scripted language "were sorry, claims can take up to 25days to process"... blah blah blah.. YET when Pests Best wants their money, they will get rite on it and collect it promptly.. Why shouldn't the customer receive the same prompt service? Oh, I know why, they don't want to pay out money, they only want to receive it.. figures this is why insurance companies get a bad reputation. Sneaky tactics..
1

out of 5

VETERINARIAN: Greenfield Animal Hospital

POSTED: | BY: Bryton Lafayette

Scam

They took a month to deny my claim for simple flea treatment. They never tried to contact me or my veterinarian
5

out of 5

POSTED: | BY: kristina Clark

So Grateful

"Unfortunately my lab broke two bones in her ankle chasing a ball. I am so grateful for Pets Best. They have been fair and kept great communication throughout the long recovery. And my lab kept her leg which would not have been possible without my Pets Best insurance."
5

out of 5

POSTED: | BY: Michele

Thanks so much for your help

Thanks so much for your help. I always had the best experience dealing with Pets Best.

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 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.

Get a quote today

Leave a review