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.
1

out of 5

POSTED: | BY: Christi

Slow to process then quick to deny

Slow processing time and then your claims are denied for preexisting without them taking the time to throughly understand the care received. Don’t waste your money! There are better options for quick claims processing and payouts.
5

out of 5

VETERINARIAN: Veterinary Medical Center of Indian River County

POSTED: | BY: Henri and Patricia

Satisfied customer

"Pets Best has worked very well for my dog. Until this year he has been very healthy except for a a few months in 2024. This year he developed heart disease that required treatment and medications. Pets Best has reimbursed all claim as I hoped they would. I am very satisfied with their process. I would suggest a claim option for medications in the area where they ask who provided the service. That being said, they always take care of it when I name my vet who wrote the scrip as the provider."
3

out of 5

POSTED: | BY: Mollie

Disappointed Once they review the invoice correctly…

Once they review the invoice correctly they pay quickly. I have called twice and resubmitted at least the same amount to get my dogs annual exam and vaccinations paid. I subscribe for the wellness package also. They finally have corrected one but I have not heard anything on the second dog. The annual visit was October, I submitted immediately and am still trying to get this straight.
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3

out of 5

POSTED: | BY: Diane D'Elia

I sent claims in in the beginning they…

I sent claims in in the beginning they were great now my dog is maybe five years in and the claims are not being paid no explanation they’re saying it’s an existing condition which it wasn’t. The dog hurt his leg. It was not in an existing condition. they raised my rates because they said I made too many claims and I haven’t put a claim in in over two years and good luck trying to get somebody to call you back.
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5

out of 5

POSTED: | BY: Rich Scott

Easy to make claims and receive…

Easy to make claims and receive reimbursement.
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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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