Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,993

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.
4

out of 5

POSTED: | BY: Molly Yacko

In two years as a customer I have only…

In two years as a customer I have only ever submitted one claim and it was easy to submit and paid promptly. My only problem, and it is a big one, is that the rates jump SIGNIFICANTLY every year. I understand that prices go up due to aging pets, but last year it increased almost 25% and this year it has gone up another 16%. This kind of increase will make it cost prohibitive in the near future...just when I REALLY need it with the aging animals. In my first year alone I paid more in premiums than the amount of the claim that was paid out last month.
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5

out of 5

POSTED: | BY: Marian Petrides, M.D.

Rapid, accurate processing, prompt payout of benefits

Pets Best’s turnaround on claims is excellent, typically within 10 days or so, sometimes even less. Payout on claims is equally prompt. Pets Best’s processing of claims is accurate. In all the years I’ve used them, I’ve only needed to dispute one claim and that time they told me precisely what additional information they needed and they corrected the problem immediately once I provided the supplemental documentation. I am extremely happy with Pets Best and recommend them most highly.
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5

out of 5

POSTED: | BY: Brittany S.

I have had Pets Best Pet Health…

I have had Pets Best Pet Health coverage for my dog and cat for the last 3 years and absolutely love the coverage. They are quick to file your claims, and reimburse you. They have saved us thousands of dollars over the years.
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4

out of 5

POSTED: | BY: Nicole Perroth

Pets Best really came through when my…

Pets Best really came through when my year old puppy had to spend the night in the emergency vet clinic. They reimbursed me $500 of the $700 I had to pay!
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5

out of 5

POSTED: | BY: Randy Glick

Best coverage, best pricing, best customer service

I did a lot of comparison shopping before picking Pets Best. We have three dogs and all are insured with multi discounts. Their claim response time is good and their coverage qualifications are very reasonable
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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 Pet Insurance detail
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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