Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Robinson Animal Hospital

POSTED: | BY: Michelle

Medication for my German Shepherd

PetsBest has very good coverage for medications, simple to file claims, and reimburses quickly. My girl and I are very happy that Adequan is covered and she's feeling so much better. Thank You
5

out of 5

POSTED: | BY: HILARY

Yearly check up

My cat went in for his yearly exam and they covered some of the bill which around Christmas time is a blessing because it went right back to him and our other cat (yet to be added just rescued) for Christmas presents.
5

out of 5

VETERINARIAN: Providence River Animal Hospital

POSTED: | BY: Jan

Best Pet Insurance

I have compared plans and you will not find a better provider. Don't even think about another insurance company for your beloved pet. This company is fast, courteous, fairly priced and reimburses fast and generously.
5

out of 5

VETERINARIAN: Hearthwood Veterinary Hospital

POSTED: | BY: Chuck

Multiple claims

I have made numerous claims recently because past claims were never filed. Many have been paid; some denied; some toward the deductible and some still pending. I think that too much was applied to my deductible in 2024 and I submitted an email for clarification. That is still pending. I was out of town for many months and while I had the insurance premiums automatically charged to my checking account, no claims were filed. I worked with a number of representatives at Pets Best to get all the claims filed. It was a bit overwhelming, and they were very helpful. Many of the claims have been paid---denied----or applied to the deductible, but there are still a number pending. I have received emails that they have been received and are in process. Considering the circumstances, the overall response and assistance from Pets Best has been excellent.
1

out of 5

VETERINARIAN: Pacific Veterinary Emergency and Specialty Hospital

POSTED: | BY: Janelle

Pet’s Worst Insurance!

This is the worst insurance! They don’t answer the.phone or respond to emails. I’m going to contact CA insurance board and NAPHIA! They tell you to read your EOB. And, say it’s a problem that occurred before your insurance went into effect. A blood test is not a symptom and they don’t contact your vet either.. This insurance is a complete scam!! Don’t fall for it. Look at other people’s complaints, it’s all the same thing!
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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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