Pets Best review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

It suits people who pay monthly rather than committing up front, and cover limits run USD 5,000 to unlimited per annual policy term per annual policy term.

Key facts

Best for
Monthly pet cover for pets at 7 weeks and older, no upper age limit, at a low entry premium.
Premium from
$6 (Source, checked September 26, 2026)
Insurance types
Pet (Source, checked September 26, 2026)
Provider type
Mga (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
$100 to $1,000 (Source, checked September 26, 2026)
Cover limit
USD 5,000 to unlimited per annual policy term (Source, checked September 26, 2026)
Claims channels
Online, Mobile app, Customer portal, Phone, Email, Fax, Mail (Source, checked September 26, 2026)
Age range
7 weeks and older, no upper age limit (Source, checked September 26, 2026)
Legal entity
Pets Best Insurance Services, LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
petsbest.com

Apps and profiles

Get the app
Google Play
Elsewhere
Xbbb.org

Pros and cons

Pros

  • Cover starts at 7 weeks and older, no upper age limit, and seniors are a listed audience.
  • Claims can start through online, mobile app and customer portal, giving several routes on the same policy.
  • Support questions run on phone, email and help centre.
  • Monthly payments are available, so cover can start without a full annual commitment.

Cons

  • The policy is underwritten by third parties rather than the agency: American Pet Insurance Company (12190) and MS Transverse Insurance Company (21075).
  • An excess of $100 to $1,000 is deducted from a payout, so small veterinary bills lose more of the sum.
  • Pet cover is the only line in pet, so home, auto or travel sit elsewhere.
Pets Best

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Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Cat and dog owners in the US who want monthly payments and a low entry premium.
  • Owners of older pets, since cover starts at 7 weeks and older, no upper age limit.
  • People who want a choice of claim route, with claims possible through online, mobile app and customer portal.

Who should look elsewhere

  • Households wanting home, auto or travel from a single provider: Good Sam Insurance Agency lists auto, home and renters.
  • Readers quoting in the Swiss market, where bonus.ch lists from CHF 0.
  • Portuguese shoppers, who can compare through ComparaJa from €0.

How Pets Best compares

Where Pets Best is available

Available
Canada, Puerto Rico, United States
Licence in United States
NAIC (American Pet Insurance Company) (12190), checked September 26, 2026
Licence in United States
NAIC (Independence American Insurance Company) (26581), checked September 26, 2026
Licence in United States
NAIC (Independence Pet Insurance Company) (17543), checked September 26, 2026
Licence in United States
NAIC (MS Transverse Insurance Company) (21075), checked September 26, 2026
Licence in United States
California Department of Insurance (agency licence for Pets Best Insurance Services, LLC) (0F37530), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does pet cover cost each month?+

Monthly payments are available and cover starts at $6 a month, so a policy can be taken for a single month rather than a full year. That entry figure sits below the median of €8.88 across the pet insurance brands tracked here.

What excess applies when a claim is paid?+

An excess of $100 to $1,000 is taken off a payout before the owner is paid, so a small veterinary bill can be swallowed by it. The excess sits separately from the cover limit, which runs USD 5,000 to unlimited per annual policy term per annual policy term.

Who carries the risk on the policy?+

The provider is a managing general agency, so licensed carriers underwrite the cover rather than the agency itself. American Pet Insurance Company is licensed as 12190 and MS Transverse Insurance Company as 21075.

Which regulators are named on the licences?+

US licensing names American Pet Insurance Company (12190), Independence American Insurance Company (26581), Independence Pet Insurance Company (17543) and MS Transverse Insurance Company (21075), plus a California Department of Insurance agency licence, 0F37530.

How old must a pet be before cover starts?+

Entry is at 7 weeks and older, no upper age limit, so a young puppy qualifies and an older animal still can. Seniors are a listed audience, and the age band is a separate choice from the limit, which runs USD 5,000 to unlimited per annual policy term per annual policy term.

How much would the policy pay for a vet bill?+

Cover limits run USD 5,000 to unlimited per annual policy term, so a policy can be set for a major treatment or for routine care over an annual term. The limit is the ceiling on what the policy pays, while the excess of $100 to $1,000 comes off a payout.

How do I make a claim?+

Claims can start through online, mobile app and customer portal, so online, the mobile app, the customer portal, phone, email, fax and mail are all listed for the same policy. Anything that is not a claim goes to phone, email and help centre instead.

Does the provider sell anything other than pet cover?+

Pet cover is the only line in pet, so a household wanting home, auto or travel needs a second provider. Good Sam Insurance Agency is the wider shop here, with auto, home and renters on its list.

Where is the company based and how long has it traded?+

The agency is based in the United States and has traded since 2005, so the cover comes from an established operation rather than a new entrant. That matters at claim stage, since licensed underwriters sit behind the policy.

Sources

  • petsbest.com checked September 26, 2026

    Backs: Headquarters, Legal entity

    “MAIL Pets Best 2323 S Vista Ave. Ste. 100 Boise, ID 83705”

  • petsbest.com/coverage checked September 26, 2026

    Backs: Audience, Claims channels, Insurance types, Premium from

    “Pets Best has no upper age limits for enrollment, so senior dogs and cats can still be eligible for coverage.”

  • petsbest.com/dog-insurance checked September 26, 2026

    Backs: Cover limit, Excess from

    “Annual Limit Options ranging from $5,000 - Unlimited - The maximum amount of reimbursement you may receive within your annual policy term”

  • petsbest.com/faq checked September 26, 2026

    Backs: Age range, Pricing model, Monthly payments, Support channels

    “Pets Best has no upper age limits, so you can insure your dog or cat at any age over 7 weeks.”

  • petsbest.com/our-story checked September 26, 2026

    Backs: Founded

    “Pets Best is founded by Dr. Jack Stephens and Greg McDonald in Boise, Idaho.”

  • petsbest.com/underwriters-licensing checked September 26, 2026

    Backs: Provider type, Licences

    “Pet Insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190) ... Pets Best Insurance Services, LLC...”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Pets Best

Pets Best

Monthly pet cover for pets at 7 weeks and older, no upper age limit, at a low entry premium.

8.9/10See alternatives

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