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: Derek G.

They Are the Best!

This is the best Insurance Company I have ever worked for! Their customer service genuinely want to help you. They pay their claims. There are no run arounds, no evasive manuvers, no line item non-pays. I personally have recommended, Pets Best to all of my pet owner Friends. I tell them I am so happy I can have the help I need to make sure my dog is well cared for!! Thank you Pets Best!!
5

out of 5

POSTED: | BY: Lisa Collins

Worth every penny for coverage & peace of mind

Pets Best has come through again for us, quickly processing our claim for the continued coverage of our kitty's IBD. We initially bought the insurance for our 2 kitties because they were slightly accident prone (as kittens) and it just seemed to make sense. As they got older we added coverage, just in case. It has turned out to be one of the best decisions regarding their health that we have made. Earlier this year, out of nowhere, our boy kitty Eskimo starting vomiting regularly. It took 2 vets to figure out he had a non-normal presentation of Inflammatory Bowel Disease and it took major abdominal surgery to fully diagnose. We are still trying to get Eskimo's diet and medication correct for the IBD and each time we have had to head back to the vet to correct this, Pets Best has quickly and efficiently processed our claim. We recommend Pets Best to every pet owner we know!
5

out of 5

POSTED: | BY: Steve Lawrence

Real Insurance

This company has performed as stated. Great insurance for peace of mind. I highly recommend.
1

out of 5

POSTED: | BY: John Garr

Rejected

My claim was rejected after sending paperwork three times. Customer care was rude.
5

out of 5

POSTED: | BY: JPS

Very satisfied with Pets Best!

Recently I filed my first claim with Pets Best and was pleasantly surprised at how easy it was and how promptly my claim was handled. I discovered a small lump on my dog's chest and her vet thought it best to remove it and check it out. It was too small to aspirate but he didn't want to wait and let it grow in case it was malignant. So she had the surgery (is doing fine, tumor wasn't malignant) and a few days later I filed the claim. Very easy to do. About a week later I received notice that it was processed and a few days later a check arrived in the mail. They paid exactly what I expected. Especially right before the holidays wasn't a good time to incur a hefty vet bill. But I didn't want to risk my dog's health. It made a wonderful difference to know I could get some help, that is the reason to have insurance after all. By the way, before filing I spoke to a customer service rep who assured me that filing a claim would not cause the company to drop me or raise my rates beyond the usual small annual increase due to my dog's age. I recently received my renewal info -- so far so good!

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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