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: Banfield Pet Hospital

POSTED: | BY: Erin

Grateful for Pets Best

After spending thousands in vet bills on two older cats, I got pet insurance for my two year-old cat, but wondered if it was a smart investment. Two years later, my now four year-old cat got very sick, and I was very grateful to have pet insurance reimburse me for the costs after my deductible was met. It is great peace of mind, making sure my cat is healthy won't break the bank.
4

out of 5

POSTED: | BY: Nate

Makes Medical Decisions Easier

I finally decided to get pet insurance for both my fur babies after years of thinking about it. I went with Pets Best after it was recommended to me by another pet parent in the vet clinic's waiting room. This year, my cat has suddenly gone through several unexpected health issues that amounted to a lot of medical bills. Amid all the uncertainty on her road to recovery, it was a relief to know we had Pets Best in our back pocket, making decisions about her care less of a monetary concern.
5

out of 5

VETERINARIAN: Animal Wellness of Strongsville

POSTED: | BY: Pamela

Thankful for Pets Best

Always very helpful. Thankful we have Pets Best!
3

out of 5

VETERINARIAN: Glacial Ridge Veterinary Clinic P.A.

POSTED: | BY: Lydia

Ultimately too Expensive

I obtained Pets Best insurance for my brother and sister Labradoodles when they were wee ones, under a year old, at which time the cost was reasonable. Even though the reimbursement rate was sometimes less than I thought it would be, I stayed with Pets Best and was relieved I had done so when my sweet boy developed cancer at six years old. Insurance reimbursement helped, yet with increases in the insurance cost charged each year, I began to question the value of retaining Pets Best. Finally, the cost of the insurance far outweighed both what I could afford to pay each month and what they were reimbursing. At nearly $400/month for not even what I considered full coverage for each of my Doodles, close to $800/month was more than I was able to pay and I finally chose to drop Pets Best this year
1

out of 5

POSTED: | BY: PAULA

Thumbs down for Pets Best

They never cover anything. I'm done trying to get coverage for basic stuff
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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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