Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: The Animal Doctors of Anaheim (Formerly La Palma Veterinary Hospital)

POSTED: | BY: Jeffrey

First Claim

VERY easy to submit claim. Uploaded scanned PDF of bill and vets diagnostic results and it was processed VERY fast! 1000% better than the pet insurance I had years ago for my other German Shepherd!
5

out of 5

VETERINARIAN: Southside Veterinary Clinic

POSTED: | BY: Peter

Very Fast Claims Processing

My claim was settled in about 3 days.
2

out of 5

POSTED: | BY: James

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Reimbursement procedures very difficult.
5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: Ashley

Pet Insurance Poster Children

Pets Best has been a lifesaver for both of my pets. They’re both rescues, and while they were essentially “free,” their medical care has been anything but! Both have had numerous medical issues, and I’ve been so grateful for Pets Best’s prompt review and approval of their claims. Most recently, one of my dogs went into an Addisonian crisis (had not been diagnosed) while I was out of the country. My father was caring for him, and being able to say, “Just use my card and get him the care he needs,” without stressing about reimbursement gave me incredible peace of mind during a frightening situation. He now has a chronic illness diagnosis, and I am forever grateful that I enrolled him with Pets Best when he was a puppy. Knowing I have that support means I can focus on his health and well-being. I cannot overstate how much that peace of mind means to me.
5

out of 5

POSTED: | BY: Pamela

Great Insurance Company

I have used Pets Best for 2 dogs now . The site is easy to use as is submitting claims . My current dog has been struggling with allergies as well as cracking two 4 rooted teeth accidentally, and Pets Best has been there providing excellent service and reimbursement for all . Glad to have them on my side .
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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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