Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,154

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: Steven

A great company for your Furry one. my 3rd year having Pets Best…

This is my 3rd year having Pets Best insurance and they have taken care of claims and are always available to talk to you. I highly recommend them. (Also have referred several people and they also are very happy with the service they received)
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2

out of 5

POSTED: | BY: MC

We've been with Pets Best for 11 years

We've been with Pets Best for 11 years, what we didn't know as dogs age the rates got up dramatically. Processing claims sometimes takes weeks. I decreased my 10-year-old Yorkie's coverage just recently from the premium level to the next level down, the premiums were just adjusted for the next year, the rate is now more than what I was paying for the premium level I had. Very frustrating for the economic times many are going through right now. We have two Yorkie's, both insured ages from 2 years to 10 years old. I'm considering cancelling the insurance on both !
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4

out of 5

POSTED: | BY: Nonya Buzness

I like Pets Best and I think they have…

I like Pets Best and I think they have good coverage and are cheaper than other services. My beef with them is over the dental plan. I need to put my dog under anesthesia every year to receive care, even if they have perfect teeth and don’t need dental cleanings. I think it should be up to the veterinarian to determine when my dog needs their teeth cleaned and how often, not an insurance company. There is a risk with putting dogs under, and if they don’t need it they should not be subjected to unnecessary procedures.
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5

out of 5

POSTED: | BY: Tracy Mount

Would recommend PetsBest to anyone!!!

My claim was received and processed within 14 days. Customer service was very friendly when I called.
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4

out of 5

POSTED: | BY: Sue Moss

Excellent communication …

Excellent communication but it seems every time I file I get a message that they are sorry for the delay. Payment after claim is complete is good.
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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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