Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,347

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.
1

out of 5

POSTED: | BY: James

Denied coverage

I took my dog into the vet to preemptively check for hip displaysia. She is a rotwiller and german shepard mix. Come to find out she does have it. I filed the claim for the vet exams and a month later Pets Best denied my claim saying that documents from the vet suggested that symptoms had started before the insurance coverage started. This is the first time shes been seen by a vet other than shots and has never definite signs of having it. Hereditary conditions are covered under my insurance policy but there claims forms do not have that as a section so I had to file under illness/injury. Now if i don't fight their decision I could have to put my dog down if she starts showing signs of pain and it incapacitates her because I can't afford the surgery. I can't switch to a different insurance because now I know she has it and it I couldn't get coverage for her condition.
5

out of 5

POSTED: | BY: Jason L

Very Easy to submit claim

Very Easy to submit claim. No issues or confusion about the process. I am very glad that we have this emergency insurance for our pets. You never know when your dog will get into something they should not be eating.
5

out of 5

POSTED: | BY: Molly D

Wonderful in all aspects

Pets Best has been wonderful in all aspects. They process claims quickly and pay quickly. I am very grateful that I have the coverage.
5

out of 5

POSTED: | BY: Kim D

I recommend Pets Best

The process of filing a claim is very easy and the claims decision is done very quickly and fairly. I would recommend (and have) Pets Best to other pet owners.
1

out of 5

POSTED: | BY: Christine H

Quote was ridiculously high, 10x advertised amount

I looked at this company for pet insurance because there was an advertisement for plans as low as $6 a month for cats, $9 a month for dogs. I know that "as low as" means there will be a larger price, but it should be a price within reason of the bottom price. I requested a quote for accident and illness for one of my cats, I decided against wellness coverage, and the quote was $58 a month! $58 is a huge increase when compared against the advertisement of "as low as $6 a month". I put in my other cat's information and his was $53 a month. Those are ridiculous quotes for one extremely healthy cat and one cat whose only issue is arthritis.

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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