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.
5

out of 5

POSTED: | BY: Yvonne Nacu

Review of claim

Review of claim was fast and efficient. The telephone help is extremely nice ad helpful.Yvonne owner of King charles Caveliers
5

out of 5

POSTED: | BY: Mary

Glad I got it!

We are animal lovers and have a houseful of pets. Last summer we found a lost/stray dog who we took in. I never found his people. Chauncey was a sick dog and after investing quite a bit of money into his health, a second cat of ours in a year was diagnosed as hyperthyroid and our vet bills were skyrocketing. Chauncey needed badly to have his teeth cleaned and had not been neutered. I honestly didn't know how we were going to pay for all of this. So, I started looking into insurance. Years ago our cats were covered by VPI and initially I was just going to go with them since they were the "devil known". But when I tried to make sense of how they determine benefit reimbursement amounts I wasn't very happy. After talking to several companies I pondered Pets Best the most. The fella I had talked to over the phone about the insurance and what may or may not be covered and what may or may not be considered pre-existing conditions was so helpful that in the end I decided to give Pets Best a try based on this conversation, and what the Wellness Plan offered. I signed Chauncey up for the insurance and figured I should wait awhile before scheduling the neuter and dental, but Pets Best called me the day the 14 day waiting period was over to let me know that the policy was active and that if I needed to have anything done with him, I could. In under a month of signing up he has had his dental and has been neutered. I just got my reimbursement today and out of $603 they reim
5

out of 5

POSTED: | BY: Eric

Thank you Pets Best

Decided to get Pets Best Insurance when our daughter was born, we knew it would be hard to cover any unexpected Vet Bills. I wasn't sure if it would be worth it, but when one of our dogs was injured. I was glad I made the decision to get it. Claim process was quick and easy and it covered what I expected. I even took the slow route, by mailing my claim, and we still received our claim check in a timely manner. If there is a next time I will take advantage of the email or fax option and direct deposit of my claim for an even speedier claim process. Thanks again Pets Best.
2

out of 5

POSTED: | BY: Burt B.

LOOK - OUT with older pets.

I had a policy with Pets Best for a short time for my 9 year old miniature poodle. My vet determined my poodle needed cataract surgery. Called Pets Best to be sure it was covered and they said no because it must have been pre-existing. I canceled my policy that day. People with young pets, I would agree, pet insurance is wise to have. However, those of us with older pets, most every illness can be determined as pre-existing if you have had a policy for a short time.
3

out of 5

POSTED: | BY: Denny Strunk

Be sure to read the exceptions.

I purchased Pets Best for my two dogs. My lab damaged her ACL 3 months into the program. I was thankful I had purchased the insurance, unfortunately the plan must be in effect for 1 yr before ligament injuries are covered.Out of pocket: $2,800. Coverage : $00.00. I'm still glad I have the insurance and will maintain it as long as my dogs are with me. I understand the reasoning for the delay in coverage. Just read the fine print.

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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