Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,101

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: Kathy Holland

Pets Best Insurance helped me save my beloved Doberman's life!

I rescued a Doberman 9 years ago and when I decided to get Health Insurance for him I signed him up for Pets Best. He had minimal health issues until 2020 when, out of the blue, he bloated. I was aware of the symptoms of the potential life-ending bloat condition and when he showed some symptoms late one night, I took him to the closest 24 hour Emergency Vet Clinic. When the Vet advised his stomach was twisted, he needed emergency Surgery and it was going to cost, I interrupted her and said "I don't care what it will cost, please just save his life". I had Health Insurance with Pets Best, the emergency Surgery saved his life and Pets Best paid for a large portion of the Bill. They have always been responsive and quick to pay for submitted Claims. As my Doberman has gotten older, the yearly Premiums have gone up which makes sense. Pets Best is always willing to talk with me at Premium Due time and discuss potential options to help lower the premium cost. I highly recommend Pets Best, they have helped me take care of my beloved Doberman ever since I signed up with them. I have recommended them to several friends who are also very happy with Pets Best.
5

out of 5

POSTED: | BY: Kellie Welty

I have had a wonderful experience with…

I have had a wonderful experience with Pets Best. My Labrador has had TWO TPLO surgeries this year. Two major surgeries and I had zero problems being reimbursed. In both cases I was reimbursed within a couple of weeks. Can’t recommend Pets Best enough.
5

out of 5

POSTED: | BY: Katherine

Wonderful…Quick response and easy to use

Quick response and easy to use. Excellent
1

out of 5

POSTED: | BY: Elaine schwartz

Refusal to accept veterinarian letter…

Refusal to accept veterinarian letter that my dog is mixed breed though that was proof they asked for. OMG. They replied to this post by telling me to call their customer service # like I haven't already spent fruitless hours talking to them with no help. Then today I get an email to dear pet parent asking for my name and policy #. As if this is a brand new issue with a brand new customer. I really see no alternative at this point other than to file a complaint with the Virginia insurance commission
2

out of 5

POSTED: | BY: Cassandra Weidmann

Downhill experience! App glitches

Raised our rate, aren’t covering vaccines or basic care like they did the first year. Things they aren’t covering isn’t going toward the deductible either. Processing claims takes forever and they do it out of order (maybe so they don’t have to reimburse you??) Looking for another insurance provider for our pet. Also the app is awful and glitches constantly. I can’t see our information at all now via the main screen. (Not even our dog’s name.)

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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