Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,462

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: Margaret R

Pleasant to work with

Our dog was taken unexpectedly to the vet. It was unknown as to why she behaving the way she was. The tested were extensive to rule out a few options as she is only 8 lbs. The bill added up quickly. We have had Pets Best since we got her at 8 weeks old. She is soon turning 5. It's very easy to manage and the return is extremely timely. The company is very pleasant to work with.
5

out of 5

POSTED: | BY: Susan O

Super easy

Pets Best makes the claim process super easy. I appreciate the ease of use of the website and the option to speak to a live person if I should need to do so. Thank you!!!
5

out of 5

POSTED: | BY: Alicia Kerns

Excellent service and coverage!

Pets Best pet insurance has saved us more than once. Cannot say enough good things about this company.
5

out of 5

POSTED: | BY: Cindy McLean

Outstanding coverage!!!

I just have to rave about Pet's Best. I have a 9 month old Whippet puppy that has been a walking accident since I got him. He broke his front leg which required surgery and a plate. The plate then had to be removed. Once that healed and he finished rehabilitation, he broke a rear toe. SERIOUSLY??? This poor pup has been in a cast for over a third of his life! I have never experienced anything like this with any of my previous dogs! Pet's Best has covered his injuries without question! From the initial visit, to bandage changes and xrays during healing, to rehabilitation......they have come thru with flying colors and I couldn't be happier with their service! I have had their coverage for many years on my dogs, but have never really had to deal with any substantial claims until now. So glad that I have Pet's Best and I will continue to recommend them to all of my friends and family!
5

out of 5

POSTED: | BY: Marcy S

Very helpful and patient

I needed some additional information added to my claim. They were very helpful and patient with me. As soon as I resubmitted the claim I had very quick payment. Thank you!

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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