Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,049

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: John R

Wonderful experience

Our red-headed girl is doing ok now, but she has some health issues that your insurance is making it easier to make the right decision for Sky as her issues develop. Thank you for wonderful claim experience!
1

out of 5

POSTED: | BY: Ivan the

Terrible insurance for Dane's

I had 1 claim which was denied: she needed pills for a "pre-existing" (6 months old) skin issue (bumps) i understood that. but after 3 years they increased my rates ~%60 60.00USD -> 106.00USD their reason: Breed, Location, Age, Gender. thanks this dog is getting destroyed as it is not worth having it while paying 1200+USD/year (while each year the rate will increase) to help her in her later years. sorry y'all im a veteran and the dog has better insurance than i do, and cost 106USD more... don't worry i will give her plenty of great food and take her everywhere i can; but ultimately this dog will not have insurance after this month, so might as well get her destroyed instead of paying outrageous amounts for "in case shit happens" while watching her suffer for years after hip displacement., or the ultimate heart failure. great job pets best. glad you care so much.
5

out of 5

POSTED: | BY: Mindi C

Very easy

Submitting claims is very easy & the turn around time is quick.
1

out of 5

POSTED: | BY: PRL Keytroller

They do everything possible to not pay…

They do everything possible to not pay claims. agents basically said I was submitting claims that were not real..
1

out of 5

POSTED: | BY: Snowdreamer28 Aj

Arbitraty decision of a pre-existing condition did not pay my Vet Bills and I paid a high price insurance.

I enrolled my rescued puppy with Pets Best insurance hoping to have peace of mind while learning how to be the “mother” of a dog for the first time. The dog is in good condition and happy. However, in the process of getting him neuter, the Vet fund a growth in his collar area. Initially, before the dog was insured, there was no issue with this growth, we did not even notice it was there. At that point, and after the deadline to submit claims for accidents or illness, the growth presented bleeding and needed attention before the neutering process. I decided to take care of this surgery first and sent the growth to pathology to be analyzed. Results were fine, he was cancer free and a happy puppy again. I submitted claims for surgery, pathology and medicine and Pets Best denied my claims stating that this was a pre-condition of the dog. I am paying 65 dollars every month to feel safe with my dog and after 3 months I ended up paying insurance plus Vet bills. The costs double. Therefore, I canceled my policy with Pets Best and did not have a good first insurance experience.

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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