I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 18, 2022

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As a practicing veterinarian, Dr. Jack Stephens was deeply affected by the experience of having to put down pets because their owners could not afford to treat them. In 2005 Dr. Stephens co-founded Pets Best as a continuation of his lifelong quest to end economic euthanasia.

The Boise, Idaho-based insurer covers dogs and cats for accidents and illnesses, and for an additional cost, routine care.

Although Dr. Stephens retired in 2014, Pets Best still carries on his mission with policies for pets of all ages underwritten by American Pet Insurance Company (APIC) or Independence American Insurance Company (IAIC).

The company also touts its short waiting periods for coverage and quick reimbursement rates for claims.

Pets Best Insurance Policies

pets best

Although Pets Best does not insure birds or exotic animals, the company does provide comprehensive coverage for dogs and cats, with flexible plans that take into account the animal’s overall wellbeing with two different optional routine care riders.

There is no age limit and no hereditary or congenital condition limitations for Pets Best plans, and policyholders have the option of choosing unlimited benefits. Those who do not opt for unlimited are given the standard benefit limits of $5,000.

Pets Best claims to offer some of the shortest waiting periods in the industry, and policyholders have to wait just three days after the policy effective date for accident coverage to go into effect, 14 days for illnesses, and six months for cruciate ligament events and any related conditions. Optional routine care plans can be used the day after you enroll.

Additionally, the company processes most claims in five business days.

Essential Pet Insurance

The base level policy for cats and dogs covers the following:

  • Accidents or Illnesses that result in Emergency Care
  • Hospitalization and Surgeries
  • Prescription Medications
  • Specialist Care
  • Outpatient Care
  • Medication Injections
  • Lab Tests
  • MRI
  • CAT Scan
  • X-ray
  • Cancer treatments
  • Hereditary Conditions
  • Congenital Conditions

Like all policies, the Essential plan does not cover:

  • Pre-Existing Conditions
  • Preventative Care (like vaccinations or deworming)

Though policyholders can add EssentialWellness or BestWellness plans to cover that routine care.

Plus Pet Insurance

The Plus plan offers the same coverage as the base-level Essential policy, but also covers:

  • Accident and Illness Exam Fees

The same exclusions apply, and the same pet wellness plan riders are available for policyholders looking to get routine care covered.

Elite Pet Insurance

The top-tier plan includes all of the accident, illness, and exam fee coverage offered by the Plus Plan, but also features:

  • Rehabilitative
  • Acupuncture
  • Chiropractic

This policy is ideal for pet owners who would like to have alternative treatments covered in addition to standard major medical.

Pets Best offers several different plan options, along with a Wellness Rider that can be added to any plan to help cover the cost of routine visits.

pets best

4 out of 5


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Pets Best Quotes

To obtain a free online pet insurance quote from Pets Best, you must go to the company’s website to fill out a form that includes pet and owner information.

First, you will be prompted to enter your pet’s name, age, type, gender, and breed, and answer whether or not your pet has ever shown symptoms of or has been diagnosed with any disease or condition.

Before continuing, you will also have to enter your own name, zip code, email, phone number, military status and, if applicable, your referral code.

Pets Best will then email you your quote, and take you to a page showing price estimates for the three different pet insurance policy types.

At this stage, you can customize the following:

  • Annual Limit: $5,000 or unlimited
  • Annual Deductible: $50, $100, $200, $250, $500, or $1,000
  • Reimbursement Level Percentage: 70, 80, or 90

You can also choose to add a routine care rider to your policy if you prefer.

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Pets Best Pet Insurance Discounts

Insurance companies are known for offering a wide range of discounts, including bundling discounts for policyholders who purchase multiple types of coverage, such as home and auto insurance.

Pets Best only insures pets, and therefore has no such bundling discount, but does provide savings for those who enroll multiple pets.

Multiple Pet Discount

When you enroll more than one pet with Pets Best, you can earn up to a 5 percent discount on your policy.

This discount also applies to BestBenefit accident and illness plans, and is available in all states except Alaska, Hawaii, and Tennessee.

Pets Best Insurance Reviews and Customer Service

Pets Best is a fairly well-rated pet insurer. Pets Best has been accredited by the Better Business Bureau since it was launched in 2005, and currently boasts a perfect A+ BBB Rating.

The insurer has an average of just one out of five stars from BBB customer reviews, though that number is based on only 20 customer reviews.

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Pets Best Phone Number & Contact Information

  • Homepage URL: http://www.PetsBest.com/
  • Company Phone: (208) 947-3896
  • Headquarters Address: 2323 S Vista Ave Ste 100, Boise, ID 83705-7343