Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,945

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: Desiree

Best and Easy Pet insurance

This is by far the best pet insurance. This is my first time having pet insurance and I am very satisfied. Thank you!! And my puppy thanks you too for all that is covered.
2

out of 5

POSTED: | BY: Olivia Herrera

I waited over 30 days before I received…

I waited over 30 days before I received any information on the delay of my claim. I was told that information was needed from the vet but when I contacted my vets office there wasn’t a request from Pets Best. I asked the vet office to please call and get them the information needed. I received a notice yesterday 11-13-23 that my claim was to be paid an amount lower than I was expecting and might take up to six days to receive even though I supplied my bank information.
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1

out of 5

POSTED: | BY: Monica WillIamson

You can read my review on your feedback…

You can read my review on your feedback I submitted from the email I received…I’m disappointed in the little to no amount of coverage I received for my dog’s urgent care visit.
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5

out of 5

POSTED: | BY: Jason

Confidence in Challenging Times

Pets Bets has never let me down. When my best friend became ill on multiple occasions, I was able to confidently seek the best care knowing that the financial side of things would be significantly helped. Please do you and your pet a favor and carry insurance for the unknown. Also recommend Care Credit or another 0% line of credit to minimize out of pocket expenses initially and then have time to pay back any deductibles. These decisions have given me priceless years of healthy and happy bonus time with my pal.
4

out of 5

POSTED: | BY: Mrs Cornell Haynes

Great Coverage

In the past, I have been so grateful for Pets Best Insurance. However, recently there must have been staffing changes because 2 of my 3 claims were not processed correctly. While I do understand mistakes happen, the daily phone calls and stress I had to endure in an attempt to get resolution was significant. When a claim is “completed” incorrectly, neither the customer, nor the customer service representatives can speak to those completing or reviewing claims. I’m thankful for good insurance coverage, but I have to say there could be improvements made in completing claims accurately and providing timely customer resolution.
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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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