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.
4

out of 5

POSTED: | BY: Wrrodger

Happy for the most part

Overall completely happy. Usually have a fair amount of time approving my claims and pay within a few days after that. My only complaint is that apparently some of the people looking over the claims only skim over and reject quickly. This is on claims I make monthly for prescriptions. On the positive when I call they have always made it right and approved. But apparently some of their team needs more training.
2

out of 5

POSTED: | BY: Anthony Fiore

Really don't seem to pay for the…

Really don't seem to pay for the routine service. When I reviewed bills for other dogs we had with your representative much more was covered. Very disappointed and considering canceling the service
4

out of 5

POSTED: | BY: Margaret Mills

Their coverage plans & prices are good

Their coverage plans & prices are good. I like direct deposit, although it does take about a week before the money hits my account. Online filing of claims is easy & convenient. My biggest complaint is sometimes it takes weeks before they settle a claim, than even longer before money is in my account, as I said before. Claims processing could be more timely. Overall I am satisfied with this company.
1

out of 5

POSTED: | BY: DD

Typical Insurance Company

Typical insurance company, has you over the barrel and they take advantage. It has takeen over 60 days to receive refund for claim. Recently, called in to add exam fees to third dogs policy due to the fact that it wasn't there already like my other two pets policies. The exam fees were added to the policy as well as an increase of the deductible. After comparing new policy cost called back to get clarification why the price when up over $300 even before the changes of the policy occured. Was informed that it was due to inflation, the price when up 49.9%. Then the customer service rep realized the new policy added was not permitted in the underwriting and removed the exam fees policy that was just added. This was the mistake of the previous customer care rep made but, regardless apparently it had to be removed. So if it is not allowed how was it added in the first place? Plus it ultimately increased the overall cost and increased my deductible. Then I spoke with a supervisor whos defense was "well I have a policy and just pay it so my pets are covered." Well Sir I am sure you get a substantial discount and did your policy go up 50%,.over $300 for one policy. I have had Pets Best since 2018 and I am definitely going to be searching elsewhere. I never filed a claim until this year 2023 and I wonder if that is another reason why my policy price went up so much. Be wary if you go to Pets Best, I am beyond frustrated and disappointed and thought I had a fair pet insurance. Seems not.
5

out of 5

POSTED: | BY: Kate D.

Everything you need in pet health insurance

Accurate, prompt (sometimes THE VERY NEXT DAY!) reimbursement for covered expenses. I have recommended Pets Best Insurance to many dog owning friends and acquaintances. I have a dog with severe allergies and a congenital malformation of her spine. Without Pets Best I know I could not have provided the medical attention she needs. The claim process is very easy and straightforward. I could not ask for a better partner in caring for my girl.

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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