Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,839

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.
2

out of 5

POSTED: | BY: Snehal Bhakta

Denying Claims is what they do BEST!

Almost every claim takes about 30-60 days to get paid especially if you have to appeal their decision and have your vet write a personal note. In my situation, they like to always claim a "pre-existing" condition. For example, my dog got a staph infection that was eating away at his skin 11 months after we got the policy. They denied it within a week and said "pre-existing" condition. If that were the case, then my dog would have died by know. No medical records requested at all! Processor likes to deny claims within 7 days or request medical records and deny claims in 14-21 days. Their customer service agents and their call center manager agreed that it should not have been denied and at the very least, medical records should have been requested. Still waiting on decision as we approach 30 days on something that should have been paid weeks ago. On the plus, their online system to submit claims is easy and allows you to even write a comment, so I gave a 3 instead of a 1. Even though I think the claim processors don't read them. Otherwise, they would have requested medical records on the bacteria that was eating away at my dog's skin.
5

out of 5

POSTED: | BY: Anne woods

First claim for second pet

Very pleased with Pets Best. Looked at other companies but went once again with them.
5

out of 5

POSTED: | BY: Beatriz

Great service

I have had this insurance for my 2 dogs for 3 years. One of my dogs has Leishmania and Pets Best has always helped me with the expenses of the Vet bills. I have never had any problem with any claim. I am completely satisfied.Now I have moved to Canada and I have had to cancel my policy because, sadly, there is not Pets Best here. Amanda (in the Live Chat) has been very helpful and professional. She helped me out with all my questions, even remembering me and previous conversations we had. She is as good as Pets Best insurance. I highly recommend this pet insurance to anyone who has pets.
5

out of 5

POSTED: | BY: Beatriz

Great service

I have had this insurance for my 2 dogs for 3 years. One of my dogs has Leishmania and Pets Best has always helped me with the expenses of the Vet bills. I have never had any problem with any claim. I am completely satisfied.Now I have moved to Canada and I have had to cancel my policy because, sadly, there is not Pets Best here. Amanda (in the Live Chat) has been very helpful and professional. She helped me out with all my questions, even remembering me and previous conversations we had. She is as good as Pets Best insurance. I highly recommend this pet insurance to anyone who has pets.
5

out of 5

POSTED: | BY: Aimee Orme

Thankful!

While on vacation, my dog was hit by a golf cart racing down our street. She sustained multiple cuts, bruises, and a large laceration down her hind foot which went down to the bone. Since the cut on her leg is so deep, we are going to have to make multiple vet visits due to the bandaging on her leg. Pets Best received our claim on Monday, and we had the notice of being reimbursed by Friday. This is a huge help since our vet visits are now over a $1000. I would highly recommend this insurance for your "child."

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. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

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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