Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,169

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: Customer

Easy to use and upload claims

Easy to use and upload claims! Researched a bunch and Pets Best was the best one for my cat. Great customer service as well.
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5

out of 5

POSTED: | BY: Jeanne Davis

Everyone that I have had the pleasure…

Everyone that I have had the pleasure of speaking with has been super helpful and very nice. I lost my sweet Bichon and they were very helpful during a very difficult time for me. Very good about explaining everything.
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5

out of 5

POSTED: | BY: Carrie S

Emergency Visit

After my kitten had exploratory surgery I was very stressed out not only caring for him but it was an expensive experience. I filed a claim with Pets Best, it was easy and fast. I highly recommend them!
5

out of 5

POSTED: | BY: Joe

Great company

Easy to file a claim and pretty quick turnaround
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5

out of 5

POSTED: | BY: R Shaw

Honest and they always come through as promised...

I have been a client of Pets Best since 2019. We had adopted a Great Pyrenees from a kill shelter down South and had him transported locally. We have been very fortunate to have adopted a great dog...it clearly could have gone the other way. From the beginning we investigated various pet insurers and had narrowed it down to Truepanion (also a good firm) and Pets Best. That said, we felt that Pets Best had the most comprehensive coverage at competitive prices. Unfortunately, there weren't many reviews at the time and we wound up taking a chance that Pets Best would live up to their promises. Well, I have to say that we clearly made the right choice. "Archer" needed to undergo MPL surgery this year and we were hit with a bill close to $6k. I submitted the expenses and within 2-weeks had the reimbursement (less the copay) deposited directly in our account. This insurance more than paid for itself by providing both peace of mind and outstanding coverage. I've never had an issue with claim denial (even with smaller bills) and their customer service is top notch. If you are seriously considering pet insurance my advice is take it, but go with a company you can trust. I would highly recommend them and would encourage anyone to research them. I noticed that there have been some negative reviews posted, and maybe there have been some situations with others that were less fortunate with their experience. However, I can say first hand, we have had nothing but positive experiences during our 3-year arrangement with them and I have no reservations about renewing our policy year over year.
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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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