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.
5

out of 5

POSTED: | BY: Barb

The best in California

I did my homework on pet insurers available in California and these guys have the least fine print and "gotchas". If you are seeing prices that seem too good to be true, THEY ARE. Terrible experience with a lower-cost provider who shall not be named (based in PA). Fine print is very well hidden with a lot of these providers but Pets Best stands behind what they promise to deliver. Love love love the quickness with which they pay claims. Had a super expensive bloat claim right after signing up and they paid it... FAST! Colossus and me thank you!
5

out of 5

POSTED: | BY: Lisa Collins

Rock solid company, stands by their commitment

My two cats were insured after one had all his teeth removed due to stomatitis and the other spent the night at the ER vet for dietary indiscretion. Within a few months we used the insurance to cover one of the cats eating a toy (caught before she needed surgery) and in one claim the insurance had paid back the premiums and then some. We would have saved the cat anyway, its so nice to have Pets Best as our partners and for peace of mind. Since then one cat was diagnosed with IBD and pyloric valve stenosis in his stomach and required very costly surgery, Pets Best processed the claim within days & covered him. They continue to cover his medications. The other kitty was "the good one" until recently when she began vomiting blood for no reason. Turns out she had intestinal necrosis. After her surgery she started showing signs of heart failure. Multiple days in the hospital, xrays, meds, echos, ultrasounds, Within 2 days of submitting what were multiple claims intermixed, Pets Best had processed it and again, we were covered. They will continue to cover her as we now deal with her early stage heart disease. We love Pets Best, we always recommend them to our friends and family. They are a fantastic company and stand by their commitment to your pet's health.
5

out of 5

POSTED: | BY: Joy

My 1st born deserves the VERY best!

When you have an easy going dog who gives as much love as she gets, and something goes wrong, you want to know that you're giving her the best care. Then when the crisis subsides, knowing your insurance is there to help you through is priceless. Having online submission & direct deposit takes the stress out of the "business" of our dog's healthcare.
5

out of 5

POSTED: | BY: Derek

Very easy and fast

It was the first time I've made a claim and it was very quick and painless. They paid exactly what I had calculated and I am very happy with this insurance.
5

out of 5

POSTED: | BY: Sandy Whitworth

Covered 1,000's of $$ in my claims, so happy

I wasn't sure about pet insurance for a long time. Then my first dog, Plano, swallowed a bunch of socks and racked up a $2,500 bill. I decided pet insurance was for me after paying out of pocket for that and got it for both Plano and Plinko. Not only did they cover the second time Plano swallowed a sock (accidents aren't pre-existing as long as the first has totally cleared up), but they covered Plinko's torn ACL. Both in the multiple of thousands of dollars. And how quickly they pay claims is just unbelievable. THE BEST!

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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