Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,053

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.
3

out of 5

POSTED: | BY: Kevin Prout

Denied Rx coverage

My one year-old Labrador was treated for intestinal parasites by my outstanding veterinarian. A veterinarian that I've been going to for over 20 years. They prescribed Panacur to treat the parasitic infection. He immediately stopped all diarrhea and returned his health to normal. This was not some trial medication, rather something that's been used for years and only cost $77. (Edit: Again, this is an industry standard medication, confirmed by my Vet today 10/30/24. He was amazed they wouldn't cover this Rx! There are other post about PB not covering standard meds below. Pretty petty...) Pets Best insurance refused to cover Panacur because it is not on the formulary. I guess they know better than my veterinarian what is good for my dog. I will be reassessing my coverage when renewal comes due.
5

out of 5

POSTED: | BY: Pamela Van Vliet

Sent my receipt for vaccination and…

Sent my receipt for vaccination and received the refund within 3 days. Great company!
5

out of 5

POSTED: | BY: Leslie Nichols

highly recommend for the peace of mind

Ive had insurance for my baby for 10 yrs with this company. Ive never had to use it until now. they made everything so easy and everyone was so helpful with my claim. I highly recommend for the peace of mind in helping you care for your babies when something unexpected happens
1

out of 5

POSTED: | BY: Sky

PetsBest never honored the claim.

I have spent over 700$ paying PetsBest monthly, but they never processed my claim. I gave up after waiting for over a month. During this time I got about 7 e-mails from them stating that they are waiting for the records. I have explained to them many times that my old vet clinic closed and I went to another one for the first time. They kept sending me generic apologies and requests for records that do not exist. I have filed a BBB report and reported them to the Department of Insurance. I will never do business with them again. Do not recommend!
3

out of 5

POSTED: | BY: Austin Kuhs

You’ll be reimbursed but be prepared to wait

I choose Pets Best because they have one of the best plans (90% reimbursement with unlimited claim amount). However, with my recent claim and several recent claims before it, I have to wait an extraordinary length of time to be reimbursed. I have 2 pets with Pets Best and will continue to use them but it would be beneficial if they could speed up their review times, especially if they have all of the necessary documents to complete the review. I’ll continue to recommend Pets Best because they help give me peace of mind during an emergency but would advise anyone using them to prepare to wait for their money to be returned.

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.

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.
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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