Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,834

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: Patricia F

I will not be without pet insurance again.

I've had pets all of my life and never had pet insurance until Pets Best. I will not be without it again! Having pet insurance totally eliminates the fear of cost of procedures and prescribed medications.
5

out of 5

POSTED: | BY: Heather M

Very responsive.

Very responsive.
1

out of 5

POSTED: | BY: Melissa Barton

Be aware of “pre-existing conditions” that never existed!

My Golden Retriever, age 8, never had a health problem before 10/01/18, when she collapsed and died and gained consciousness after CPR was preformed. She was diagnosed with Dialated Cardiomyopathy and accumulated around $5,000 in vet bills over the past month. Pet’s Best is calling this a pre-existing condition, which is rather funny considering she never had any sign/symptom of it, and if we knew about it, we would have treated it long ago. It took the company 26 days to make this decision. I am left with the feeling that, because the claim was so large, Pet’s Best would have done anything to deny it. Now I will have to go through whatever appeal process and I don’t have great expectations for the overturning of the decision, based on Pet’s Best service to date. I will likely cancel coverage for all three of my dogs and transfer to another company.
5

out of 5

POSTED: | BY: Angela P

Best decision we've made.

Best decision we have made regarding our Cupcake. Pets Best is great
5

out of 5

POSTED: | BY: Maryanne H

Easy...quick...the best!

Easy...quick...the best!
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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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