Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,103

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: Sarah Smith

Peace of mind during a really challenging time

Over the last four months both of my dogs have gone through some horrible luck landing both of them in the ER and hospitalized several times for different conditions. Pets Best has been a lifesaver knowing that I can rely on the reimbursement of all of these claims. Most claims are reimbursed quite timely, but all have eventually been resolved and have a clear explanation of benefits. The phone support has also been helpful when there was some questions about claims.
5

out of 5

POSTED: | BY: Melanie Luce

I honestly can’t say enough great…

I honestly can’t say enough great things about Pets Best! Getting pet insurance for our pup has definitely been a great decision for us. I wish they coved rx food, but other than that we have been extremely happy!
2

out of 5

POSTED: | BY: Unhappy

Very disappointed

The review process took much longer than promised. Ultimately, I was turned down for any reimbursement for various reasons. At the same time, I just received a renewal notice with a 30% increase in premiums. Very disappointed with insurance coverage right now. Will most likely shop around at this point in time.
1

out of 5

POSTED: | BY: Wendy Belcher

I send in all what my vet gives me

I send in all what my vet gives me. I have had to call claims 4or 5 times received no money from the start of my policy 7/1/2023. I finally receive 2 checks in Dec..now I am told the need something else before they can finish a claim. I spent $20.00 faxing you everything I have.
1

out of 5

POSTED: | BY: Pebbles R

I don’t feel the claims are thoroughly reviewed and researched before determining denials …

I don’t feel the claims are thoroughly investigated! It’s amazing how when there is no reimbursement the claims happen quickly! However when there is a more complicated scenario it takes longer to even begin the claim process. They ask when we submit the info to further elaborate but then that information is NEVER read!!!! I explained my dog had a collision with my other one and knocked her front tooth loose. I was concerned so I wanted it removed right away. In addition my dog from 1-2 years ago had another tooth that was fractured but due to financial hardships didn’t have the funds to have immediately extracted. The vet understood and said unless she has complications it can remain. We were planning on doing this in 2024 but when she collided with our other dog we decided to gave both teeth extracted at once. Well the claims was denied bc they ASSUMED it was periodontal disease which she never had. They were were fractured one from excessive chewing on something she shouldn’t have gotten and another bc of a face on collision with our other dog who is bigger while they were playing. This has happened more than once and it’s extremely infuriating when you pay high premiums. Already over 4 wks and will need to wait longer on a $700 claim.

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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