Pets Best review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
This pet insurer operates in the US as a managing general agent and suits owners of an older pet, with premiums from $6 paid monthly. Cover limits run USD 5,000 to unlimited per annual policy term, though the excess on each claim runs $100 to $1,000 and stays with the owner.
Key facts
- Best for
- Owners of an older dog or cat who pay monthly rather than in one annual sum.
- Premium from
- $6↗
- Insurance types
- Pet↗
- Provider type
- Mga↗
- Monthly payments
- Yes↗
- Excess from
- $100 to $1,000↗
- Cover limit
- USD 5,000 to unlimited per annual policy term↗
- Claims channels
- Online, Mobile app, Customer portal, Phone, Email, Fax, Mail↗
- Age range
- 7 weeks and older, no upper age limit↗
- Legal entity
- Pets Best Insurance Services, LLC↗
- Headquarters
- United States↗
- Founded
- 2005↗
- Support channels
- Phone, Email, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- petsbest.com
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Monthly payments spread the cost, with premiums starting at $6.
- Cover limits run USD 5,000 to unlimited per annual policy term, so high vet bills can be covered to an unlimited level.
- Claims can start through online, mobile app and customer portal.
- Pets can be insured from 7 weeks and older, no upper age limit.
Cons
- The entity is a managing general agent, mga, so the policy sits with the underwriters rather than the brand.
- Excesses run $100 to $1,000, so you cover the first part of each claim.
- Support runs on phone, email and help centre only.
Who it suits
- Owners of a senior pet, since coverage is aimed at seniors.
- Households that prefer monthly payments over an annual lump.
- Anyone who expects high vet bills, since cover limits run USD 5,000 to unlimited per annual policy term.
Who should look elsewhere
- Anyone who wants a savings pot instead of pet cover: Linxea starts at €25.
- Anyone looking for a free banking account: bunq lists €0, which is an everyday account rather than vet cover.
Who runs it
The legal entity behind the policy is a US company founded 2005. Cover is underwritten by 12190 American Pet Insurance Company, 26581 Independence American Insurance Company, 17543 Independence Pet Insurance Company and 21075 MS Transverse Insurance Company, all listed with NAIC. The agency holds a California Department of Insurance licence, 0F37530. Support runs on phone, email and help centre.
How Pets Best compares
8.9 vs 8.6
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.4
8.9 vs 8.7
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8.9 vs 9.2
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.7Linxea starts at €25 as a savings and insurance pot, not cover for a dog or cat.
8.9 vs 9.0
8.9 vs 8.8Its headline figure is €0, an everyday bank account rather than vet cover, so a pet still needs a policy like this one.
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8.9 vs 9.0
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8.9 vs 8.2- 8.9 vs 8.0
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
How much does the policy cost?+
Premiums start at $6 and the policy can be paid monthly, so the cost spreads across the year. What you pay also depends on the excess, which runs $100 to $1,000, and on the cover limit, which runs USD 5,000 to unlimited per annual policy term.
How do you make a claim for a pet?+
Claims can be started through online, mobile app and customer portal, so the mobile app, customer portal, phone, email, fax and mail are all routes in. The claim is handled by the underwriting company, since the provider is a managing general agent, mga.
How old does a pet have to be?+
Pets can be insured from 7 weeks and older, no upper age limit, and the coverage is aimed at seniors, so an older animal is not ruled out on age grounds. The range itself carries no upper age limit, so there is no cut-off at the top end.
Who underwrites the policy?+
The provider acts as a managing general agent, mga, and the risk sits with 12190 American Pet Insurance Company, 26581 Independence American Insurance Company, 17543 Independence Pet Insurance Company and 21075 MS Transverse Insurance Company.
How much will the policy pay out?+
Cover limits run USD 5,000 to unlimited per annual policy term, so you can take a set figure or an unlimited level depending on the plan. The payout covers the vet bill above the excess, which runs $100 to $1,000.
What support does the provider offer?+
Support runs on phone, email and help centre, so you can call, send email or use the online help centre. Claims run through a wider set of routes, online, mobile app and customer portal, which adds the mobile app and mail as well.
Who does this cover suit?+
It suits owners of an older pet, since the coverage is aimed at seniors, and anyone who prefers monthly payments to one annual sum. Cover limits run USD 5,000 to unlimited per annual policy term, which helps owners expecting high vet bills.
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
Owners of an older dog or cat who pay monthly rather than in one annual sum.