Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,095

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: JoEllen O'Reilly

Reliable Reimbursement!

Pet’s Best has been wonderful to work with over these past couple of months. Our English Bulldog came down with a succession of illnesses and Pet’s Best has been there for us throughout.
5

out of 5

POSTED: | BY: VictorianKitty

Fast, easy, and fair payment on claims.

All of my claims have been processed quickly and paid out fairly. Submitting claims online is super easy and convenient, and I love that they do direct deposit into my bank account.
5

out of 5

POSTED: | BY: Sally Mckeag

Pets Best is the BEST!

Fast reimbursement and EXCELLENT customer service! Pets Best is the best!
5

out of 5

POSTED: | BY: Chuck Cunningham

Your great

You have been great with everything
5

out of 5

POSTED: | BY: Rosemary Noel

Pets Best helped save my dog's life

I can’t say enough positive things about Petsbest insurance. Buying their insurance was one of the best decisions I’ve ever made. My 10 year old golden became incredibly sick very suddenly a few weeks ago. We had to rush him to an emergency vet clinic where he was hospitalized with a grim prognosis. Because we had insurance, we were able to make all of our decisions regarding his care based on the doctor’s recommendations as opposed to cutting off his treatment prematurely due to cost concerns (we had purchased the most expensive policy with no maximum, since, in my experience, any maximum is quickly eclipsed by one serious health problem). I truly credit the vets and Petsbest with saving his life. We were able to get him the absolute best care that exists. Our boy defied the odds and was able to come home from the hospital after four days and he was able to play in the snow, spend 24/7 being a pampered spoiled dog and torment his younger brother. This was my first experience with pet insurance. When I went to submit the claims, I was a bit apprehensive. As any pet owner knows, the second you have to take a beloved pet to the hospital, huge bills pile up very quickly. I didn’t think there was any way we would be able to get our money quickly or without a hassle given how expensive these bills were (thousands of dollars). I guess I was used to dealing with human health insurance companies. Shame on me. I submitted the itemized invoices from the hospital stays as soon as I received them and within a week, Petsbest had approved the invoices and deposited the money in my account. They were so nice and hassle free and helped me save my dog. I will be using them for all of my current pets and all of my future pets. I also will be telling every pet owner I know to sign up. It’s 100% worth it and can truly save the life of your animal. That's priceless.

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. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

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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