Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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: Joanne Lofthouse

My Koda

My dog Koda has had quite a bit of health issues the past few weeks and Pets Best has reimbursed me for 2 of the claims that I have submitted. Thank you Pets Best
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5

out of 5

VETERINARIAN: VCA Flannery Animal Hospital

POSTED: | BY: Caitlin

4+ Years with Pets Best—Easy, Reliable, and Worth It

I've had Pets Best insurance for about 4–5 years now, and my experience with them has been consistently positive. Thankfully, I've only needed to use the insurance a few times, but each time the process was smooth, straightforward, and stress-free. Submitting claims was easy, and their team was helpful and responsive whenever I had questions. Most importantly, I received reimbursement in a timely manner every time, which made a big difference during already stressful situations with my dog. It's reassuring to have a company that actually delivers when you need them. Based on my experience, I'd definitely recommend Pets Best to anyone looking for reliable pet insurance.
5

out of 5

POSTED: | BY: Donald

Claims filed with ease.

All claims from minor to substantial have been filed with ease. Communication on claim status and EOB, are timely and efficient.
5

out of 5

POSTED: | BY: Alissa

Sick visit

I uploaded my claim the same day as our vet appointment. About two weeks and I received notice that they were getting more information from my Vet. I was fully reimbursed for my claim about 4 to 5 weeks after my submission.
5

out of 5

VETERINARIAN: Eastern Pennsylvania Veterinary Medical Center

POSTED: | BY: Colleen

Pets Best was amazing!

I have Pets Best on all 3 of my dogs and it's something that you hope you never need, but when you do, you're glad you have it! My boy, Dublin, recently had a foreign body obstruction and needed emergency surgery to remove it. Of the $6,000, my out of pocket expense was about $1200. I am now the poster child for pet insurance and tell everyone I come in contact with about it! My claim was processed in about 2 weeks, but everything was as it was supposed to end deposited into my account as directed about a week after the claim was approved.
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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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