Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,139

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: Sophia Philippou

Pets Best Insurance is Dependable, Economical and the best thing you can do for your pet

"In the past I would pay all vet bills out of pocket. I didn't really consider insurance. However, after repeatedly ending up in situations where I went into debt for veterinary bills, I decided to go for insurance. I opted for Pets Best because I liked the coverage and the monthly cost was reasonable. Recently my cat suddenly became ill. It was three weeks of running to vets, including the ER. After my deductible of $250, Pets Best paid 80% of each claim. Removing the worry about overwhelming vet bills helped in my decision making process for my cat and allowed me to make decisions where I wasn't focused on the financial burden in the same way that I had been in the past without insurance. If I had opted to put my cat through expensive treatments, that would have also been covered. It was a relief to be able to make that decision based on what was best for my cat, not the financial burden. I would (and do) highly recommend Pets Best to any pet owner. They process claims quickly and when there is a delay you are notified via email. I feel this is one of the best investments you can make for your pets. "
5

out of 5

POSTED: | BY: Cindy Hannon

Easy to submit claims

Easy to submit claims, reimbursement received via direct deposit, good communication if claim is submitted incorrectly or without full information.
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5

out of 5

POSTED: | BY: Kim Coleman

Pet's Best always comes through

We've had Pet's Best for 5 plus years and never had any issues with being reimbursed timely for a claim.
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3

out of 5

POSTED: | BY: Maureen Hicks

Unaffordable Premiums - Good Plan Coverage

Pets Best Insurance is a decent enough company and they have covered several claims on my dogs. Recently my 4 year old Rottweiler's premium increased from $95 per month to $151.00!!! I expect and understand small increases yearly but this is a horrific & shocking increase. How is this going to be affordable? I will be shopping elsewhere for coverage for any future dogs and will be warning all of my friends/family as well as my dog sports network to beware. :(
3

out of 5

POSTED: | BY: Jesus Iturbe

Not happy with wellness plan

The wellness plan I added to my dog’s accident and illness coverage is not covering his flea, tick and worm medication throughout the whole year, I got a message informing that the annual limit has been reached. I will switch to the Banfield Hospital Optimum Wellness plan since it offers unlimited coverage for wellness-related expenses.
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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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