Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,328

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: Sally Mckeag

Pets Best is the BEST!

Fast reimbursement and EXCELLENT customer service! Pets Best is the best!
5

out of 5

POSTED: | BY: Chuck Cunningham

Your great

You have been great with everything
5

out of 5

POSTED: | BY: Rosemary Noel

Pets Best helped save my dog's life

I can’t say enough positive things about Petsbest insurance. Buying their insurance was one of the best decisions I’ve ever made. My 10 year old golden became incredibly sick very suddenly a few weeks ago. We had to rush him to an emergency vet clinic where he was hospitalized with a grim prognosis. Because we had insurance, we were able to make all of our decisions regarding his care based on the doctor’s recommendations as opposed to cutting off his treatment prematurely due to cost concerns (we had purchased the most expensive policy with no maximum, since, in my experience, any maximum is quickly eclipsed by one serious health problem). I truly credit the vets and Petsbest with saving his life. We were able to get him the absolute best care that exists. Our boy defied the odds and was able to come home from the hospital after four days and he was able to play in the snow, spend 24/7 being a pampered spoiled dog and torment his younger brother. This was my first experience with pet insurance. When I went to submit the claims, I was a bit apprehensive. As any pet owner knows, the second you have to take a beloved pet to the hospital, huge bills pile up very quickly. I didn’t think there was any way we would be able to get our money quickly or without a hassle given how expensive these bills were (thousands of dollars). I guess I was used to dealing with human health insurance companies. Shame on me. I submitted the itemized invoices from the hospital stays as soon as I received them and within a week, Petsbest had approved the invoices and deposited the money in my account. They were so nice and hassle free and helped me save my dog. I will be using them for all of my current pets and all of my future pets. I also will be telling every pet owner I know to sign up. It’s 100% worth it and can truly save the life of your animal. That's priceless.
5

out of 5

POSTED: | BY: Cassie L

I've never had any problems

I've never had any problems with getting something back for the vet expense so I'm quite satisfied.
1

out of 5

POSTED: | BY: Danielle

We HATE Pest Best!!!

Pet’s Best is more like Pets worst! They declined our claim after over a month of asking us for back up files. We took our dog to emergency 1 time in her life last month and she was diagnosed with Bronchitis which is fluid in her lungs. She was give medicine and she is now fine. They denied this claim based on ya taking our dog a few years ago to her vet for reverse sneezing. We appealed the claim with the Dr’s help and a letter saying these issues are un related and still nothing! We are canceling this policy and Visa is filing fraud against this based on our evidence they refused to do there part in our contract. She has no preexisting water in her lungs hence pets best failed us in contract. We felt the over 40 day process here and lack of communication to be terrible. We have another person canceling there policy too now. They were also denied an ER visit for no reason. They don’t care about pets. Only money!!

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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