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: D.C.

Insures pets 10+ AND pays their claims!

I have had my dog for 6 years. Aside from 2 emergency situations shortly after we got her. The only claims we had were her annual physical, shots, and teeth cleaning. This time we had a big claim, and I was concerned about how it was handled. The claim was handled professionally, and evrything I thought would be covered was. Thank you!
4

out of 5

POSTED: | BY: Kate

People are Great -- the Legalese Isn't

I'd recommend Pets Best because the people I've talked to there when I've had questions have been so kind, but this is my first go around with pet insurance and I don't think the terms and conditions were spelled out well enough for me. At first I thought it was a total 80% coverage of any bill, and then I read more and understood it to be that it would be up to $2500 per claim, but now have been told that it's just $2500 for the year for the same diagnosis. I wish I had had the foresight to have switched over to the middle plan when I had the time but I didn't as it was twice as much as the basic level. But maybe it's worth it in the end to have basic for young animals and as soon as they're a certain age, to move them up just so there aren't any bad surprises.
5

out of 5

POSTED: | BY: C. Brown

Covered Our Pups torn ACL!

When our little Smootch needed TPLO surgery, pets best was there to pay his enourmous medical bill. A lot of other insurers we looked at will deny ACL claims or charge extra for that coverage but not these guys. This insurance has paid for itself many times over. Don't wait to insure your little fur babies until it's too late! :)
5

out of 5

POSTED: | BY: Heather

Couldn't have made it without them

They made the whole claims proccess very simple and always proccess claims in a timely manner. If it weren't for pet insurance this year we could not have paid our bills!
5

out of 5

POSTED: | BY: ellen

Loyal to me from Day 1!

I am very impressed with Pets Best! My cat became very ill one month after I began her policy. I thought I would have problems with her claim, but they treated me as though I had been a customer for years! Thank you Pets 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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