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

POSTED: | BY: Kailyn Crone

Love Pets Best!

This insurance company is very timely, great communication, and covers a lot! I wish my insurance was as good as PetsBest. The explanation of benefits is easy to understand. Making a claim is a breeze. My dog got E. coli, then had a reaction to the antibiotics, all of which was a $2400 ordeal, but with PetsBest insurance, we only paid $400 of that bill. Well worth it!
5

out of 5

POSTED: | BY: Louanne M Romaneck

Easy to process claims and quick…

Easy to process claims and quick response.
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5

out of 5

VETERINARIAN: Beltway Animal Hospital

POSTED: | BY: Donna McElroy

Claim process

Claims we're handled in a reasonable time. Covered expenses were paid, great experience with insurance coverage. Best decision I ever made with my pet.
5

out of 5

VETERINARIAN: Bridgetown Veterinary Emergency + Referral

POSTED: | BY: Judy Bottita

Trusted company

Pets Best offers several levels of pet health coverage. I’ve been with them for over 5 years and couldn’t be more pleased with every claim and payout received. Pets Best is prompt in processing, liberal in coverage and reasonable in premiums and deductibles. I am so glad I am with them. They are trusted to make good decisions and give me peace of mind as my pet ages
5

out of 5

VETERINARIAN: Brookside Veterinary Hospital

POSTED: | BY: Katja Hurt

Accident Insurance Helped My Old Friend

I downgraded to accident only coverage last year due to financial strain and I’m so glad I kept it! My dog is not a chewer and has never had tooth issues before. Well, he came up to me one day whimpering and I was shocked to find that one of his molars was broken nearly in half! When the vet put him under to remove it and clean the other teeth, they found two teeth that hadn't been broken by whatever trauma had occurred but instead were starting to rot and needed to come out before they made him sick. I knew Pets Best would cover the accidental tooth break so I didn't hesitate to bring him in for it. If I hadn't, I wouldn't have found out about the two bad teeth and he could have gotten really sick and miserable. Even though I paid for the dental cleaning and bad teeth myself, the fractured tooth was covered by Pets Best and took a huge amount of the financial burden off my shoulders. My dog has been my best friend for 12 years and not only was his painful broken tooth taken care of but being able to go in knowing the accident was covered helped me discover another unknown problem that is now resolved and giving him a much better quality of life in his remaining years. The claim was easy to file and I received my deposit in a few weeks. Highly recommend!
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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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