Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,821

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: Mr. S

Great Insurance Program, Skyrocketing Price

We have been using Pets Best for the last 5 years and are generally very happy with their program and customer service. However, because the cost of the policy has skyrocketed over the last 2 years, we are now questioning the cost/benefit of the program and will begin to look into other insurance programs.
5

out of 5

POSTED: | BY: Peter Carparelli

Final bill for euthanasia.

We just had to put our dog CJ down two weeks ago and felt we should thank Pets Best for their six+ years of coverage. Your device reps are terrific and have consistently shown concern for our pet's health. Your prompt response to our claims was without equal, and led me to ask if we could be insured on his plan. We are looking to rescue another dog (or two) and plan to consider no other insurer than Pets Best. Again, many thanks.
5

out of 5

POSTED: | BY: Sofia Vela

I am so glad I was referred to Pets Best.

I have had the best experience with Pets Best. I am so glad my friend recommended me to them.
5

out of 5

POSTED: | BY: Pamela Whitman-Weiner

PetsBest comes through for my cats ALL THE TIME!

As usual, PetsBest did all the work for me in responding to and paying on my claim. When there wasn't enough paperwork from my vet to support the claim they'd received, PetsBest reached out to me and told me via e-mail exactly what I needed to do to have payment initiated. I did this and within 48 hours I got another e-mail saying my now-complete claim was being processed. Two days later I received an explanation of the benefit payment I'd be receiving via direct deposit, and three days after that the money appeared in my bank account. I don't know how much more I could ask for from an insurance company! PetsBest always-responsive and honest and direct action is what enables me to feel comfortable taking my cats to the vet when they're sick -- since I know that everything except for my deductible will be back in my account within a week after the vet gets the claim work in. That's incredible to me! I recommend PetsBest to every person I know who lives with animal companions... To me, it's just a way to make sure my own cat companions get the care they need when they need it, even though I'm on a strict budget. I put aside a small amount of money every month that gets deposited directly into a pet medical savings account, and then when that deductible comes up I can pay it and when the money needs to be floated for that week I can pay that also. We do the same for human family -- plan for medical expenses -- and PetsBest allows me to do this for my cat family also. To me, the less money you have to deal with medical emergencies, the more you need an extremely reliable and up-front insurance company like PetsBest standing by you to help when you need it most -- when your animal family has a health crisis. The premium I pay monthly is a drop in the bucket compared to the security of knowing I won't have to desert my feline friends when they need me the most and are depending on me for their care. Paying that premium is THE LEAST I can do when they give their unconditional love to me every single day. So maybe I don't eat out as often or whatever else I need to make sure I can pay that? Would we do any less for our human families? My advice: Make your PetsBest premium part of your monthly budget and forget about it. Put aside a small amount for the deductible, allow that to build as you would a human Flex Spending account. Then sit back and love your pets without worrying how you'll take care of them when they get sick. What more can anyone ask for?? -- Pamela
5

out of 5

POSTED: | BY: Ryan Terry

Very satisfied

Pets Best has always taken care of my claimes without hassle, it's so wonderful that I can count on them!

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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