Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,179

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.
3

out of 5

POSTED: | BY: Barb Kofski

Not much of costs covered by insurance plan

I was not impressed with the amount I was reimbursed for the claim I recently filed.
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3

out of 5

POSTED: | BY: Dani

Good, but could be better

I went with Pets Best because they had the best prices and options that fit my pets needs. While I was paid out for an emergency vet bill, it took 1 full month to receive the explanation of the cost breakdown. During that 1 month, I received one generic email that told me they were behind on processing. You could use their mobile app and/or website but they weren't consistent with one another where the app would show the claim was not processed and on the website it would say it was processing.
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5

out of 5

POSTED: | BY: Steph Arter

My 1st time with pet's best

My 1st time with pet's best. I am truly happy with the responsiveness of my claim and the fact they care for my dog the way they do!
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5

out of 5

POSTED: | BY: Jackie Dominguez

They got back to me a lot faster than I…

They got back to me a lot faster than I thought! I love this insurance for my pup.
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5

out of 5

POSTED: | BY: JULIE A WILCOX

Herniated disk after a sudden fall - all covered by Pet's Best

Wow, I am so pleased with Pet's Best. Our pup had a terrible accident while we were camping, and herniated a disk which left his hind legs paralyzed. We ended up seeing 4 different vets and he had back/spine surgery. It was very painful for him, and scary & stressful for all us. One thing I didn't have to stress about was making the decision whether or not to get surgery or treatment. It was such a relief to be able to say yes to the needed treatment, and not be limited by financial resources. Pet's Best has helped me with the process every step of the way, and paid out per promised. We are now just about 6 weeks post-surgery, and with rehab (also covered!!), Jack is walking on his own now! Not very steady yet, but he is getting a little better every day. I am so grateful for Pet's Best, and will certainly spread the news. One of my friends has already subscribed. One of my friends has already subscribed.
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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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