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: Carol Gwynette

Awesome coverage

I have been completely satisfied with Pets Best. I have another company for the first few years of Tanner's life and Pets Best really tops them. Filing a claim couldn't be easier. They simply are the best.
2

out of 5

POSTED: | BY: Richard Sloan

Continuing Condition

Buyer beware. I have been insured with Pets Best for over 5.5 years and my experience has been fair. For routine services the plan was pretty good however when it came to major dental services the claim which was extensive was denied. Unfortunately our poor little Cavalier was diagnosed with Mitral Valve Disease in 2013 and the plan paid 80% of expenses until the moment when the poor little pup died suddenly from congestive heart failure on 12-30-14. I submitted a claim for appx. $1,500 for emergency services and the Company denied the entire claim under the reasons that the coverage for the CONDITION was maxed out. Last, when I asked if the costs for the After Care of the poor little girl would be covered the representative flatly told me that there would be no coverage as the costs are related to the CONDITION. There was never any explanation of any change in the policy from the time we bought it to the present date or an offer to opt of the old policy and switch to a new policy. So my friends read the fine print carefully, think twice or even more times before you sign up as you will be disappointed when something terrible happens and you seek their support and assistance.
5

out of 5

POSTED: | BY: Deborah Wood

Fantastic Experience (Again!)

I have been so impressed with my experiences with Pets Best. They have actually given me more than I expected, do it incredibly quickly, and are extremely pleasant. I could not be happier. I have had three pets that have received claims, and they have always been incredible.
5

out of 5

POSTED: | BY: Amy Horowitz

Pets Best is wonderful ...

I am so pleased with this company. I have insured two dogs with Pets Best.The customer service is excellent. I recently lost one of my dogs to a mast cell tumor. Pets Best really came through beyond my expectations. Thank you...
1

out of 5

POSTED: | BY: Marja Vaananen

disappointment

our premium amount for two dogs went up from $85 to $152 per month. This is 78% increase! Our dogs turned ten years this past year. They are both mixed breed and through out their lives they have been healthy. We have done zero claims to Pets Best. The reasoning in the letter was embarrassing. 'greater modern veterinary medicine' 'claims based on age, breed, and where we live' ' adjustments not based on personal claims filing history' This shows how pet owners get the corporate treatment from companies like Pets Best. Shouldn't there be customer appreciation for owners who take good care of their pets, and who choose healthy breeds (Mixed breeds are healthier than pedigree dogs). We ended up thinking that this is a company policy to push out customers with older pets. Especially those customers who do not have two six digit incomes.

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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