Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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.
4

out of 5

POSTED: | BY: Lori

Turn around time is a little slow but, claims are always well explained.

My only issue is the turn around time between turning in my claim and receiving a reimbursement. However, I am aware that the delay may not have been completely on Pet's Best. If the hospital didn't provide the documentation necessary then, they played a part. Otherwise, I'm satisfied and will continue with coverage for both of our dogs. The reimbursement amount is tremendously appreciated and I'm grateful that we had the coverage.
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4

out of 5

POSTED: | BY: Brandy Owner

Slow but True

I have had multiple trips to the vet with Brandy, including both accidents and many illnesses. Our biggest problem is that Brandy has severe environmental allergies that have required expensive allergy testing (well over a thousand dollars) and expensive allergy shots. I would not have been able to afford the skin scrapings, ear cytology’s, allergy tests, expert exams, and more without insurance. And while they do take ages (around a month or so) to process the claim, once they do process the claim I have never had a problem with them approving it. I also like how you can customize what you include in your plan and even the deductible and copay percentage. For my problem girl I have a $100 deductible because she’s always going to the vet, but for my other pets that only see the vet for checkups and vaccines and such I have the $250 deductible, which brings the premium down a tad. Really my only complaint is that they take so long to process the claim. I realize Covid has made this process longer, but it wasn’t exactly speedy before Covid either.
5

out of 5

POSTED: | BY: Deborah Sekou

Peace of Mind, for sure!

Once again, PetsBest comes through for Trixie and me! I got top-notch care from the emergency vet, put the total cost on my credit card and submitted my claim. All I had to cover was the deductible and the co-pay. No surprises and the check for the rest arrived in my bank in jig-time. It gives me such peace of mind to know that I can afford to get Trixie's health needs met before they get so bad that there is no hope. She weighs only 5 pounds and time is of the essence if she gets sick. Thank you Pets Best!
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2

out of 5

POSTED: | BY: Victoria Lare

Love pets best overall

I love pets best and normally would give them 5 stars. They have excellent prices and coverage and I love it! However, recently I submitted an ultrasound claim and it was denied with an EOB stating that he had a previous condition related to it before he was insured. This was due to a previous note stating he had a slight elevation in an enzyme which went back to normal with no intervention. Because of this note and with the enzyme now being elevated again and higher 2 years later, they denied any coverage to his now chronic condition. With the vet saying there was nothing abnormally wrong at the time to intervene, I find it very frustrating that they will not cover his claim because they just do not want to reimburse me. I was told to appeal the claim and am looking into it.
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5

out of 5

POSTED: | BY: Michelle Cardenas

Great experience!

Great experience!! They are honest and their policies are clear and straight forward to follow. Thank you!!
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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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