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: Debbie H

Very pleased

I was apprehensive at first since this was my first time filing a claim. I was half expecting a low reimbursement but I was very pleased!! I made the right choice in choosing Pets Best!!
5

out of 5

POSTED: | BY: Emily K

No hassle, no questions asked.

My cat, Leonidas, broke his leg in two places right before Christmas. He had to have surgery to properly repair it. We are so grateful we didn't even have to think twice about the cost of the surgery or anything other than getting Leo better. We knew we were covered. I filed the claim on a Friday and the reimbursement was in my account on Wednesday. No hassle, no questions asked. Leo is much better now and trying to stay out of trouble.
4

out of 5

POSTED: | BY: Cody C

Extremely easy and timely.

My dog had to stay overnight to be treated for HGE. The vet bill was very expensive and past my $1000 deductible. A few days later, I put in a claim. The claims process was extremely easy and simple. Within a few days the claim had processed. There was a break down of how everything was covered. Unfortunately, my direct deposit did not go through and I just received a paper check two weeks later. Other than that, the process was extremely easy and timely.
5

out of 5

POSTED: | BY: Jeremy H

Paid in three days

Took my puppy in for her first round of shots and sent the claim in and it was paid in three days!
1

out of 5

POSTED: | BY: Cheryl Merrill

Deceptive payment of claims

Claims processing is hinky. You pay co-insurance before the deductible is applied. You are actually paying a higher deductible than quoted in your policy. I switched to Pets Best after having my last pet insurance company hit me with a 20% rate increase and was assured Pets Best doesn't operate that way; yet, I received an email informing me an increase of 17% had been requested.
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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 Pet Insurance detail
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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