Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,232

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.
2

out of 5

POSTED: | BY: Brandon Moderhack

I will be updating this review in about…

I will be updating this review in about 30 days after my appeal and will be changing my stars from 2 to either 1 or 5. My dog had a scare last year that was either sago palm toxicity or trauma leading to liver damage, they never really found out why. Either way, I got pets best before his final follow up with his vet in which he had a mass on his head that may/may not be removed, other than that he had a clean bill of health. Ten days later I went to a different vet for a second opinion on the mass, and they told me they thought it would resolve, but if it needed to be removed it would be about 40% less than my other vet, but also that he now had an ear infection. He was treated for the ear infection and it resolved. I didn't submit that to pets best because I knew the mass had been there for a couple months now. Two months later he has another ear infection that developed an aural hematoma requiring surgery. They told me that since the original ear infection fell 2 days within the 14 day window that they were considering it pre-existing. I told them the definition of the word "pre-existing" is that it was there prior to me getting the policy, which it clearly wasn't since he had an exam with a vet the day after I purchased the policy. So at this point pets best has two options: do the right thing and reimburse me because the condition was indeed not "pre-existing" per the definition of the word. Or, they can use the loophole in their contract to deny the claim. I'll update after the appeal of the claim.
5

out of 5

POSTED: | BY: Jennifer Cox

Wonderful

This made the whole situation bearable. Itcwas such a relief to be able to use this service. Everything was so easy. Thank you!
5

out of 5

POSTED: | BY: Linda Bryant

Great insurance company!

Have had this insurance for approximately 5 years (since Boss was a puppy), Never have put in a claim until now. When growths were discovered on pets gums, was able to find a reasonable charge for removal, etc. When claim submitted, they were quick in responding with explanations and refunds. Would recommend this organization to anyone. When speaking with representatives, they were polite, knowledgeable and helpful. Great job Pets Best!
1

out of 5

POSTED: | BY: Gregory K

Pets Best Insurance Make Claims Impossible. Beware

We signed our Doberman puppy Betsy up in the hope nothing would happen. Being a puppy she got sick and hurt a leg. Pets Best insurance did there utmost to deny any claims - "for lack of information". They were provided receipts from the vet visits - including emergency care - AND permission to access records from our vet. After FOUR months of back and forward - emails and calls - I was told everything was sorted and we were good to go. A few days later, we receive an email stating all claims have been denied - due to "lack of evidence". Never again. We will be changing providers ASAP. Pets Best are a terrible company. BEWARE.
5

out of 5

POSTED: | BY: Richard R

Completely satisfied

COMPLETELY SATISFIED WITH THE WHOLE PROCESS!

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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