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: Bill Hungridge

My Rocky's Best Friends are Pets Best!

I don't know where I'd be without Pets Best Health Insurance! This program has definitely softened the blow of some major complication my pup has had. And, they process claims quickly and accuratley!
5

out of 5

POSTED: | BY: Annette Schumacher

Pets Best is awesome! Quick reimbursements from the claims I submitted. Coverage is excellent.

I'm really impressed that Pets Best has fantastic coverage on many areas I needed for our 14 month old lab pup. I was seriously impressed with the claim processing and reimbursements. Pets Best is by far one of, if not, the best insurance you can get for your four-legged friend...
3

out of 5

POSTED: | BY: Dawn

Your deductible is really higher than what you think you're getting

I used Pets Best in the past for another dog. Back then, it was a fraction of what I'm paying now (less than 25% of what I'm paying for a young Labrador. This was a senior great Dane who should have been much more expensive). Maybe, the more something costs, the more you expect out of the service. My two most recent claims were my first with this young dog and I knew that they would go toward the deductible. What I didn't know (and what the company did not do in the past) was take a "co-insurance" out of my deductible. In other words, instead of, for example, putting my $100 vet bill toward my $500 deductible, they only put $80, since I selected an 80/20 plan. I've never in my life seen this done before. So, my $500 deductible is really a $600 deductible. It's dishonest, and I have no idea if this is even legal. We have my other dog on Hartsville. I may switch.
5

out of 5

POSTED: | BY: Uday Kumar Boga Raja

Pets Best is the Best.

Pets Best is the Best.
1

out of 5

POSTED: | BY: Maggie Brown

Don't waste your money.. they won't help you with theirs.

I signed up for Pets Best because of the reviews on this site. After two months with a puppy I realized those reviews are fake. You don't have to prove you're a customer to leave them. Bottom line... Pets Best has managed to back out of paying for damn near everything I signed up for. I even upgraded for extra coverage... which basically amounts to over $60/month. They've dodged everything but a couple immunizations and a very cheap eye ointment (I think, but its hard to tell.) Sure its real easy to submit the claim, but its real hard to get paid. If you wait in a chat room to talk to someone, expect about a half hour wait. If you call, you'll get someone who sounds really caring that has zero power to help you. I'm embarrased to say that I now feel like Pets Best treats me like an opposing attorney and quite frankly, that's not what I pay for.

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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