Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,684

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: Terri Pritchard

Phenomenal company. Pets Best Insurance is the best.

Well, for more than two years, my beautiful, ENYA, has been insured with Pets Best and I am thrilled overall. When I tell people what I pay per year for premiums, they say oh my God. It’s a drop in the bucket when your dog has got something serious. In my opinion, PetsBest, this is the best insurance company that you can get. Sure somethings aren’t covered, but get the best plan that covers everything and you will be his grateful as I am. Sometimes claims take a little bit longer, but I know they are going to pay me and respond. Our whole world has been turned upside down since Covid and everybody is shorthanded, so be patient with them and be grateful that you are insured with the best.!
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3

out of 5

POSTED: | BY: Elizabeth Rauker

I would like claims to be processed in…

I would like claims to be processed in a more timely fashion. Claim processing seems to take too long. Also, sometimes invoices from the Vet include wellness and illness.
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5

out of 5

POSTED: | BY: James Beckett

Best of the best 15 out of 10!!!!!!

Like most people these day life is busy. But I what the best for my Murdoc and I get that with Pets Best. They are simply the BEST. With a few clicks and snap of the bill it's done. No hassle no fuss and fast I mean fast service. Easy to read explanations of benefits. Ps pets best please teach are human insurance a thing or two 😉. You really are 15 out of 10 well done!
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5

out of 5

POSTED: | BY: Jaycee Grover

Peace of mind after my tragic loss

I randomly decided to get Pet Insurance in January after I got my dogs teeth cleaned. Little did I know she would tragically get very sick quickly and ended up passing away suddenly in June of the same year. There was a lot of testing done prior to her passing and it wasn't cheap. I was unsure how much the insurance would pay even though I knew I got one of the best plans. It was a peace of mind having a really good payout from all the painful expenses we had to pay after we lost her. I am grateful I randomly decided to get Pet's Best. I plan on signing up again when I'm ready to adopt another sweet dog someday.
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5

out of 5

POSTED: | BY: Veronica

Petsbest has been so incredible and…

Petsbest has been so incredible and helpful through a very difficult time for me. I purchased this policy and about a month later my pup got diagnosed with anemia. After trying everything we could, we couldn’t save our girl. We were over $5000 in debt from medical expenses. We only had the policy for a month so I thought it was a long shot to file the claim but I did it anyway. After a few short weeks I received notice of the our refund due to the benefits in our policy. I understand every claim is different therefore we were not expecting much but they delivered. Although I would love to have my girl back, Petsbest has helped during this time I can’t thank them enough. If and when I get another dog I will be purchasing a policy through this company and recommending them to every single pet parent.
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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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