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.
1

out of 5

POSTED: | BY: Melissa Wollenweber

Never reimbursed. Canceled and started a savings account

Submitted a claim. My receipt from the vet showed the procedure information and was marked paid in full, $384, at time of service and stated $0 balance. Uploading etc went fine, the website wasn’t bad. But the insurance ended up useless. I feel like they weren’t even trying to read the document submitted and just rushing through denials. I submitted the receipt and paperwork following all instructions on 11/14/23. I only tried to get reimbursed $70 of the $384 because of the deductible and some things weren’t likely going to be covered. Later I got a message that they denied reimbursing the $70 because the receipt wasn’t showing I paid it in full even though it clearly did. My vet was baffled why they weren’t accepting it. By the time I got the notice, could get back to the vet and get the receipt re-done on my time off from work, before I could resubmit it, they closed the claim on 12/06 and told me to restart the process if I wanted to try again. Now I’ve paid nearly $500 in premiums plus nearly $400 in vet bills, and never received any reimbursement, wasted my time, and wasted my vets time. Instead, someone recommended that I start a little savings account for future needs. Sent that premium to my own savings account each month and not deal with wasted time, paperwork, and unreasonable denials.
5

out of 5

POSTED: | BY: Karen Ellis

Pet Best is always timely in processing…

Pet Best is always timely in processing my claim. They are the best pet insurance you can buy. I highly recommend them.
5

out of 5

POSTED: | BY: Odilia Lindstrom

I love pets best so far

I love pets best so far. Good claim processing time, straightforward and clean process.
4

out of 5

POSTED: | BY: Bailey Palmer

Great Pet insurance but be patient

I have had great success with Pets Best but their processing times take FOREVER and I am currently struggling with some unknown policy changes.

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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