Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,821

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: Nicole

Will never be without this insurance!

As my family just passes the one-month mark of losing our dog, Ovie, I wanted to take a moment to thank Pets Best for all that they had helped us with concerning his care. Here is a synopsis of the last year of Ovie’s life. Early September 2018, we noted that Ovie was having trouble seeing. Our local vet diagnosed him with diabetes & diabetic cataracts during an after-hours call. And you were there to help cover the costs. Later that month he found his way to UW Veterinary Care’s ER because of his extensive eye irritation (& ultimately blindness) that his local vet was not treating. He then became a patient of UW Veterinary Care’s ophthalmology department. And Pets Best was there to help cover the costs. We changed veterinary clinics & continued to adapt to our new way of life. And Pets Best was there to help cover the costs of insulin, syringes, testing supplies & medications. In January 2019, our new vet determined that Ovie was not responding appropriately to his prescribed insulin. She was uncomfortable converting him to NPH insulin & we were referred to UW Veterinary Care’s internal medicine department. We began seeing them in March 2019. And Pets Best was there to help cover the costs. During his first internal medicine appointment, an ultrasound was completed due to his frequent diarrhea. That ultrasound found that he had a liver mass. Initially, we were resistive to putting Ovie through further interventions, as he had two past TPLOs prior to being covered by Pets Best as well as a neck injury. I worried about him being a high surgical risk due to his multiple co-morbidities. I didn’t understand that the type of cancer they suspected was growing inside his liver was hepatocellular carcinoma. Nor did I understand that this type of cancer can be curative with surgical intervention. After much reading & discussion with UW Veterinary Care’s oncology & internal medicine departments, we came to realize that no intervention was as much of a death sentence as potential surgical complications could be. I called Pets Best to discuss what would be covered concerning surgery & possibly chemotherapy if they found metastases. I will never forget how kind the representative was. Her first statement to me was “I am so sorry Ovie is going through this”. She assured me that his insurance plan would cover his care at his chosen 80% reimbursement. We elected to have a liver lobectomy performed. The week we were supposed to be having his surgical consult in June 2019, Ovie developed a GI bleed that required hospitalization. He required multiple blood transfusions. And Pets Best was there to help cover the costs. Come July 2019, we were moving forward with the liver lobectomy. The liver lobectomy was successful & the tumor was resected with good margins. And Pets Best was there to help cover the costs. We breathed a sigh of relief & focused on post-operative care. Unfortunately, one week into recovery, Ovie developed pancreatitis. He required numerous rehospitalizations. Ultimately mid-August 2019, it was found that in addition to pancreatitis, he had a large liver abscess that required surgical intervention. The abscess culture grew a multi-drug resistant E.coli that would require four weeks of subcutaneous antibiotics. And Pets Best was there to help cover the costs. After these long hospitalizations, we thought we were on the right path to recovery. Unfortunately, by late August 2019, it was found that his liver infection was more extensive post abscess removal & now was growing a more virulent form of multi-drug resistant E.coli. UW’s internal medicine team broke the news to us that Ovie would never recover & that further efforts would be medically futile. We were never able to stabilize him enough to bring him home to pass away. Instead UW Veterinary Care’s internal medicine veterinarian compassionately euthanized our Ovie on August 24th. And for one final time Pets Best was there to help cover the costs. In total, Ovie’s medical care, medications & supplies cost nearly $50,000 for the last 10 months of his life. We cannot thank Pets Best enough for helping us make possible to have Ovie as long as we did. Pets Best made it so we could focus on him not money. For this we will be eternally grateful.
5

out of 5

POSTED: | BY: Morgan R

Extremely satisfied!

This is my first time getting pet insurance. I decided since I had puppies it was a smart move. My Vet recommended Pet Best and I'm very happy. Thank you!
5

out of 5

POSTED: | BY: Carol R

We recommend this insurance

I feel that this was the best thing to have purchased for our new dog since we didn't know anything about his history. We were shocked that he has allergies to everything outside. We have recommended this insurance to multiple friends.
5

out of 5

POSTED: | BY: Lewis D

Satisfied

When first deciding which insurance to take I was very undecided being a first time dog owner. I am very happy we went with Pets Best. All our claims have been taken care of although sometimes we wait longer then usual the overall coverage is as stated. We picked a great coverage for our difficult French Bulldog son. Thank you Pets Best!
5

out of 5

POSTED: | BY: Amanda S

No hassle claims process

Pet's Best, hands down, has the best overall coverage for my pets, and the easiest claim process I have ever dealt with! I will recommend PB to anyone looking to have insurance coverage on their babies. Thank you PB for a job well done!

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.
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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