Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,053

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.
3

out of 5

POSTED: | BY: Jarica Schulte

Reimbursements take about a month

The coverage is good and filing a claim was fine. The upload tool is a little broken but you can work around it. My biggest complaint is that the reimbursement timeline is unreasonable, especially when the bills are high and you're running up your credit card waiting for the money to come through. A month is just too long. I moved from Spot and they processed claims super quickly—miss them and lesson learned for next pet.
5

out of 5

POSTED: | BY: Jack Finkelstein

Pets Best is clearly the BEST!

They offer great variety of coverage at a very reasonable rate. It is easy to file a claim, and I am notified of the receipt, when it is being worked on, and the results. Very professional. I am so glad I am with Pets Best. I get bombarded with other vendors and I found the best.
4

out of 5

POSTED: | BY: Paul Bouchard Sr.

Your staff are very polite and helpful

Your staff are very polite and helpful. I am 86, former U S Naval Office and aide to former U S Senator Claiborne Pell, however I am not up on the latest. No I phone, a computer, (tower), at my desk I need paper forms and will submit requests thru fax or the mail and have no idea what you are requesting thru all these electronic introductory's. Thank you
5

out of 5

POSTED: | BY: Melissa Chop

Always great customer service.

Whenever I had questions/concerns I have always had such great help. The staff is very professional and helpful.
1

out of 5

POSTED: | BY: Amit Zaman

Avoid at all costs

It's obvious that when you make a claim with Pets Best, they will do everything, and I mean EVERYTHING to get out of paying. My dog had to have many extractions due to periodontal disease and they had a loophole to get out of paying. Their advertising and coverage details are misleading and I'll be reporting to the U.S. Consumers Affairs department. Additionally, their Wellness Routine program is a scam. You end up paying more with this service when combined with the vet bill as Pets Best nickel and dimes their way out of any responsibility. Unfortunately, once your pet has a condition while on Pets Best, you cannot leave for another insurance company because now your pet's issue will be considered a pre-existing condition and thus not covered. This is why Pets Best will abuse their customers with ridiculous price increases because they know that their customers are stuck with them. Avoid this insurance company at all costs.

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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