Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 7,243

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.8
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 7,243

Updated: June 28, 2024

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: Bianca Katz

2nd Time's the Charm

Though I've had good coverage with another pet insurance company, at the urging of my vet, I recently switched to Pets Best. As fate would have it, my youngest, healthiest little girl was rushed to the emergency room on death's doorstep just 3 weeks later with a blood disorder and Endocarditis. Thanks to the excellent works of CSU Vet Hospital she pulled through. But because my claim was so close to the start date of the policy, Pets Best denied my initial claim. I pulled together the paperwork they requested, and explained to them that I've always carried insurance on my dogs in my appeal. It is with pleasure, and relief, that they realized I was submitting a legitimate claim and approved it right away. I give Pets Best an 8 for good online forms and phone reps, and paying on the claim. They lost a couple of points on the appeal hassle, but they made good and I appreciated the opportunity to explain my side of the issue. I hope to never have to put in a claim again, but I will be maintaining my Pets Best Insurance because it's a really good idea. And maybe if there is a next time, they'll get a full 10! ;-)
5

out of 5

POSTED: | BY: Robin R.

Pets Best is the Best

This is my second time using Pets Best. They insured my silky terrier, Kacie, for many years until he passed away at age 15. Pets Best now insures Shawn, my 6 month old silky terrier. They pay claims quickly and without error. Keep up the good work Pets Best.
5

out of 5

POSTED: | BY: Rachel Leathers

Worth it!

We have 4 dogs and between swallowed objects and allergies this insurance has saved us thousands! It's easy to file a claim. We would recommend this insurance very highly!
5

out of 5

POSTED: | BY: Debi

Pets Best is the best insurance you could have

My pup is a 3 ½ year old Bull Terrier. I had a pet-sitter take care of her while I was on business travel for 4 days. When I returned from you trip and picked her up from the sitter I saw she was sneezing. I kept a close eye on her for the next few days and on the third day she was still sneezing. She sneezed one big sneeze and then her nose started bleeding! I was so scared I took her to her Doctor where they ran tests but they referred her to a specialist. After all her exams etc., the bill is now $3,000.00! Pets Best is wonderful!! I submitted the claim from the first visit and I had the payment within 3 days!!! They are excellent!! I have had problems with other insurance companies but Pets Best is really the Pets best insurance. I will keep them as long as I have a pet and that will be a very long time. Thank you Pets best for taking such wonderful care of my pup’s bills. I was so worried about her I didn’t need the problems for an insurance company that takes forever to pay the bill if they even consider paying it.I recommend Pets Best Insurance to everyone who had a pet!!
5

out of 5

POSTED: | BY: Carrie Allen

Very Grateful for Pets Best

I have been a customer for a long period of time and appreciate that Pets Best helps me care for my dog, Chloe. The service is good and the process has been simplified with the web tools the company uses. Highly recommend!

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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