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: sharlene

best insurance ive had

i have had several pet insurance plans over many years with my samoyeds and i have to say that this company by far is the BEST!!! i dont always agree with their processing of my claims (some of them they said have been pre existing) but for the most part they have come thru and that is why i am still giving them a 10 rating. Many of the other insurance companies have been more trouble than they have been worth. i have a 7 month old puppy that has had eye ulcers and now allergies and they have come through for her.
5

out of 5

POSTED: | BY: Becky baldwin

They pay 100% of your bill!

This is the only pet insurance company I could find that pays 100% of your vet bill. I mean, you have to meet a deductible first, but once you do, they pay 100% of it! My dog Tuber came down with a nasty case of kennel cough and Pets Best was there with payment of my $348 claim. They've paid some other ones as well but that was the most recent. Calling in is a joy, too. Best customer service especially compared with the last company we used. Get Pets Best and don't look back.
5

out of 5

POSTED: | BY: Christine Brown

They PAY claims!

When our little Bella came down with Parvo, we obviously worried about the worst case scenario... death. Thank God Pets Best was there for us and even paid for all the complications that came with the disease. $2,476 dollars later, Bella was her old self again and the money was even direct deposited into our account THREE days after filing the huge claim! Thanks Pets Best!!
5

out of 5

POSTED: | BY: Sally Brecht

Pets Best is phenomenal!!

My German Shepherd had half his thyroid and bladder stones removed. This was very expensive surgery with lots of lab work. Pets Best promptly paid as promised. I stop complete strangers with dogs to tell them about Pets Best!!!
5

out of 5

POSTED: | BY: Rachel Patterson

Highly recommended- follow their guidelines, fab!

They took the "uggh!" out of the pet care experience. Pet's Best was easy to enroll in, definitely easy to submit claims, the processing is super-quick, especially if you sign up for direct deposit (really? yes! They have direct deposit into your newly pet-care emptied account! :-) ). They have an odd thing about a 3 day waiting period for an accident (I understand the 2 week waiting period for an illness), but statistically, you're probably ok on this. The customer service explained things clearly and calmly before I signed up (even while I was doing my comparative research), and when Monty-cat got hurt a year into coverage, they paid the claim. Am SO grateful I had pet health insurance! And am so grateful it was with Pet's Best (had another, not-to-named company before, which was pretty underhanded). Thank you, Pets Best! The pricing is in the middle of the pack, but the service and honesty is the best, so it's unquestionably the best value I found. I highly recommend Pets Best coverage for your pet. I hope you needn't use it; but promise you that, if you do, Pet's Best will make it as easy as they can.

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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