Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,229

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: Sheri Gatanas

The turn around time was very fast

The turn around time was very fast. I did have a little trouble with uploading the second time when more information was needed, but I called and they were able to help me. Pets best is the best!
5

out of 5

POSTED: | BY: sarah rideout

Love Me Some Pets Best

My senior retired greyhound is living her best life with weekly acupuncture and gym work. I can have the peace of mind knowing she is getting the care she needs to live a healthy and active life with PetsBest coverage. They offer a variety of coverage choices so I can pick which one is best for her and which is best for my younger grey."
5

out of 5

VETERINARIAN: Wilvet South

POSTED: | BY: Christina Brown

Sick dog

Easy claim filing, quick pr and quick covered expenses deposited in account
5

out of 5

VETERINARIAN: Urgent Vet

POSTED: | BY: Donna Gamberzky

Happy Customer!

Our Gracie got mildly sick just before a weekend, and we thought she'd be at least ok to wait until Monday to call our vet. However at 4am Sunday morning she became much sicker so we headed to Urgent Vet. Her symptoms suggested she could have an obstruction but thankfully none was found and she was treated for gastroenteritis. The bill was high! I submitted it the next day, and within 2 days was emailed my explanation of benefits. Even after the deductible, we were reimbursed for a signifcant portion of the bill, and received a check in the mail a few days later. Thank you Pets Best
1

out of 5

POSTED: | BY: Shana Breingan

TERRIBLE policy wording/Won't refund ER care

Ive had petsbest for my two cats for a few yrs. This past July my poor calico had to go into the ER for respiratory issues that she'd never had before. She had fluid that kept building up in her lung cavity and the ER said she needed to stay for "EMERGENCY OVERNIGHT CARE"... She was in there from Tuesday until Fri night. PetsBest tried to say her "EMERGENCY OVERNIGHT CARE" Falls under routine "officevisits/exams" therefore they would not cover it... No where in their "office visit/exam" section of the policy does it state that "EMERGENCY OVERNIGHT CARE" is considered under the office visit. I feel any common person would assume "emergency overnight care" would fall under the section of "emergency care" 🤷🏽‍♀️ but I guess petsbest doesn't consider it so. Their policy is beyond vague so you really don't know what's actually going to be covered till after the fact. Which they take FOREVER to finish claims. They also did not cover the fee of the overnight doctor informing the morning doctor how my cats progress was doing and a medication that was given to my cat at the ER that was not covered due to it being an over the counter drug which they said fell under the category of "prescription medication" even though that medication was not prescribed to my cat and was only given to her at the Emergency clinic. I can slightly understand that one but the fact they consider my cats "emergency overnight care" as an office visit makes me livid and I will be cancelling them as my provider for my other cat. Would not recommend them to anyone else I care about for their pets!

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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