Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,334

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: Dee L

Easy peasy claims process!

Wellness exam. Very easy to file, quick payment directly into my checking account within a few days. Claim filed online within a couple of minutes. Just snapped a pic of my vet bill and sent online. Easy peasy!!!!
5

out of 5

POSTED: | BY: Lee Y

Service is excellent.

Your service is excellent, and lets me know what to expect. The payment explanations are clear, which is appreciated.
5

out of 5

POSTED: | BY: Julio A

Best pet insurance out there!!

Best pet insurance out there!! ❤️
5

out of 5

POSTED: | BY: George P

Easy to file.

Very easy to file, but don't always understand the nuisances of approval/disapproval.
5

out of 5

POSTED: | BY: Donna Schra

Wow, I am so glad I got the well care plan for new puppy!!!!

I just got my 10 week old puppy, and new all the vaccinations, tests, heartworm, flea/tick meds, neutering and other things that a puppy requires in the first months would run a high bill, and I wasn't so worried about him being hurt or sick (unless heaven forbid he did get something that couldn't be predicted). I decided to take out both insurances, and went for the 2nd puppy visit. I saved so much money, even including the cost of both insurances, (only the few dollars for things like biochemical disposal that are now added to vet bills weren't covered), Microchipping was covered too. I literally got 72% of my money back including the one month insurance cost. For vet bill alone I got 88% back. The claim was accepted the first day I sent it, the money was back in my back account on the 3rd day after that. I cannot express how easy it was to file the claim, call and get information about the coverage before the insurance purchase. I looked at many plans, some having no well visit coverage at all, and compared to those that did offer it, this was the best price and had the most coverage for routine preventive things. Happy customer, healthy puppy!

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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