Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,356

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: Eva C

Glad I got the insurance

I'm very happy with the service it took 3 days from when I submitted my claim and invoice copy to be reimburse. I have recommended to my friends on Facebook of what a great service on having Pets Best Insurance and to consider getting pet insurance as their pets get older, I selected the 90% w/$200 deductible I paid all upfront for my dog's mass removal tumor that cost almost $1000 including the blood work etc and got reimbursed in 3 days 90% minus the deductible which I had pretty much already met from previous vet visit claim I had submitted. Glad I got the insurance.
5

out of 5

POSTED: | BY: Loretta S

Best experience

Crystal made me feel at ease with the policy I have for my Esme. And welcomed to Pets Best! First and best experience filing a claim with you! Thank you!
5

out of 5

POSTED: | BY: Virginia M

Wouldn't consider another company

All my pets are protected with Pets Best Insurance. I have used Bets Best for over 20 years and would not consider using another company foe my pets care.
1

out of 5

POSTED: | BY: Judi Connor

Disappointing Experience

When I first started using Pets Best I was quite happy with them. I have three Olde English Bulldoggees that each have their own issues when it comes to their health. Our male has had skin issues his entire life, so I have not tried to file a claim with the insurance company when it comes to his skin flaring up. Several months ago, he was diagnosed with a double ear infection. His ears were cleaned out and he was put on meds to help clear up the infections. While I was at the vet, they informed me that they had a new shot that they could give him to help with his skin issues and allergies that he suffers from. I decided to try it to see if it would help his allergies. In the meantime, I sent a claim into Pets Best for his ear infections. The receipt from the vet also included the meds given to him for his allergies. Pets Best denied my claim. I appealed the claim by sending in all information requested by Pets Best including the original invoice, the appeals form and a letter from my vet stating that the ear infections were NOT caused by his allergies. Pets Best denied the claim again, stating they never received the letter from the vet. Again, I appealed the denial, and again I submitted the paperwork required - the original invoice, the appeal letter and the letter from my vet. This time I requested confirmation that all was received and that if they didn't receive the letter to let me know. I never heard anything back, until today. A letter came in the mail and denied our claim AGAIN!!! Let me just say, that I am extremely happy that I had decided to cancel my policy effective July 1, 2019 and switch carriers. I am very disappointed in the service that we have received and will NOT recommend this company ever again.
3

out of 5

POSTED: | BY: Anne H

Recent claims processed as expected

The 2 recent claims were processed as expected. However, a previous claim was denied. I appealed the claim, but it was still denied. I don't agree with the decision. I am unsure if I will renew with Pets Best. I am looking at other options. I received my renewal, and I will make my decision before the due date.

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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