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.
5

out of 5

VETERINARIAN: Central Maui Animal Clinic

POSTED: | BY: Susan

Excellent Coverage & Peace of Mind

My pup George had two surgeries for an obstructed small intestine. I submitted my claims almost daily over a three-week period. Pets Best reviewed and reimbursed me for my claims quickly and without any hassle. I was so worried about the cost of the vet bills, but Pets Best has covered most of the cost. I am so grateful that Pets Best has been so easy to work with and that I have a good policy.
2

out of 5

POSTED: | BY: Anand S

Really bad in terms of coverage

Really bad in terms of coverage. I spent 500$ something and out of it all am getting is 120$. Ridiculous!!!
5

out of 5

POSTED: | BY: Molli Baker

Best Pet Insurance I've Worked With

The overall process to submit a claim was very simple and straightforward. And I actually ended up getting reimbursed for more than I was expecting, which was beyond amazing! It took a bit longer than was ideal for things to process and get reimbursed, but overall this was definitely the best experience I've had with a pet insurance company.
5

out of 5

VETERINARIAN: Georgetown Animal Clinic, PC

POSTED: | BY: Lauren

Just what we needed!

Been extremely satisfied with our insurance coverage. Our puppy needed expensive eye surgery, and the coverage was excellent. I highly recommend.
5

out of 5

POSTED: | BY: Kimberly

Peace of Mind

I’ve had insurance through Pets Best since 2019 for my Lab and Golden Lab cross. They have affordable plans, super easy claim filing, and prompt claim payment. It brings great peace of mind to know that if something unexpected happens to one of my boys, Pets Best will be right there waiting to support us. Amazing company!

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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