Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,232

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: Daniel

A Complete Scam - Avoid Pets Best at All Costs!

If you’re considering Pets Best Insurance, save yourself the frustration and look elsewhere. My experience has been nothing short of a nightmare. They have made every excuse imaginable to avoid paying a single claim, twisting the vet’s words and inventing loopholes to deny coverage. Even with clear documentation from my veterinarian, they somehow found a way to reinterpret or outright dismiss it. It felt like they were more focused on protecting their profits than providing the coverage they advertise. Every claim turned into a drawn-out battle, only to be met with another denial and zero accountability. This is not pet insurance—it’s an expensive illusion. I paid my premiums on time and trusted them to have my pet’s back, but all I got was stress and wasted time. If you value your money and your peace of mind, do yourself a favor and steer clear of Pets Best. They’re the worst.
5

out of 5

POSTED: | BY: Alysen Fedewa

The turn around time from submitting invoice to getting refund

The turn around time for my puppies wellness exam invoice and getting the refund back to me was way faster than I expected it to be.
1

out of 5

POSTED: | BY: Daniel Haley

A Complete Scam - Avoid Pets Best at All Costs!

If you’re considering Pets Best Insurance, save yourself the frustration and look elsewhere. My experience has been nothing short of a nightmare. They have made every excuse imaginable to avoid paying a single claim, twisting the vet’s words and inventing loopholes to deny coverage. Even with clear documentation from my veterinarian, they somehow found a way to reinterpret or outright dismiss it. It felt like they were more focused on protecting their profits than providing the coverage they advertise. Every claim turned into a drawn-out battle, only to be met with another denial and zero accountability. This is not pet insurance—it’s an expensive illusion. I paid my premiums on time and trusted them to have my pet’s back, but all I got was stress and wasted time. If you value your money and your peace of mind, do yourself a favor and steer clear of Pets Best. They’re the worst.
1

out of 5

POSTED: | BY: Al A

Had them for a couple months and 1st…

Had them for a couple months and 1st Claim Petsbest paid $0 Time to cancel them !
5

out of 5

VETERINARIAN: Edgebrook Animal Hospital

POSTED: | BY: Wendy Sudul

Pets Best pet insurance

I’ve been a customer for about 11 years, I have two dogs, I like Pets Best because you can choose your coverage and deductible, they also offer a wellness plan that covers vaccinations and other preventive services. My account is easy to access and navigate. Uploading my vet bills are easy, once you upload your bills they immediately give you a response that your claim has been received. They also notify you if there is additional information needed and if there is a delay in processing.

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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