Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,902

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: Chris Baker

Avoid this insurance

I would not recommend this insurance company based on my experience. Claim processing has been extremely slow, and even routine billing seems disorganized — they’ve struggled to process monthly payments correctly. Their website is not user-friendly when it comes to submitting claim documentation, which only added to the frustration. In my case, they required additional documents to move forward with a claim but never contacted me to request them. I only discovered this after calling in myself and waiting on hold for over 30 minutes to speak with support. There are other insurance providers at a similar price point that offer far better customer service and overall experience. I suggest exploring those options before choosing this company.
1

out of 5

POSTED: | BY: Auctioneer

I have had pets best for over 3 years

I have had pets best for over 3 years, customer service is horrible, and on a $800 wellness they reimbursed $200, on a $1200, vet bill the say they are reimbursing $150. This insurance is a scam. $100 per month for three years would have been better in a savings account for my dogs health. Put your money in the bank not in their fat pocket.
4

out of 5

POSTED: | BY: Tony Loret De Mola

Annual Health Appt

Annual Health Appt We filed a claim for our dogs annual health checkup. While not all of the claim was covered by insurance, a portion was. It was easy to submit the claim on line and Pets Best responded rapidly to the claim.
5

out of 5

VETERINARIAN: Maine Coast Veterinary Hospital

POSTED: | BY: Catherine

Mc Gee's surgery

We've had Pet's Best insurance for our dog , Mc Gee since he was a pup, he will be turning 5 years old this year. We have not had any claims until this one for his emergency abdominal surgery. Pet best acted in a timely, professional, and compassionate manner. We were very pleased with the settlement of the claim and have been recommending Pet's Best to all of our friends with pets.
5

out of 5

POSTED: | BY: Fran

So worth it!

I was very lucky to have three wonderful dogs in my adult life, from 2005 to 2024. I did not have pet insurance for any of those dogs, and as each one got older, caring for them became significantly more expensive. When my last senior pup passed in fall of 2024 I didn't know if I could bear having and losing a pet again. After a few months without a dog, I saw one at a rescue and I knew I was going to do it one more time. The difference? This time I immediately purchased pet insurance for my two year-old rescue. After about a year of paying premiums, I learned how important it is to have. My dog started throwing up and refusing food and water for over 24 hours. I couldn't get her in to see her regular vet for another 24 to 48 hours, so I took her to a familiar Emergency vet for urgent care. My total bill was $1800 for x-rays, fluids, overnight stay, etc. Today I received a check for just over $1000 from Pets Best. Yes, it was still an expensive vet visit, but getting over half of it back is huge. The small monthly investment is very much worth it to not get hit with a cripplingly large vet bill all at once. As my dog ages, I know I will have benefited greatly in the long run. Thank you, Pets Best!

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 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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