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.
1

out of 5

POSTED: | BY: Angela Aghlaf

covers very little on preventative

Pets Best Insurance only covers $25 a year on flea/tick/heartworm meds. Twenty five dollars will not cover one month of any of those meds so then if your pet gets heartworms (something that should and could be prevented) you will not cover the treatment. I already been through this cause my dog come down with Ehrlichiosis (a tick borne virus) and you wouldn't cover the treatment for his recovery when I am paying you to help cover flea/tick repellent to keep from this happening and you do not. I pay dearly for pet insurance and I can't see where I am saving very much on preventative measures. I can put that money aside each month in my safe and use it towards my pets health needs and come out better off.
5

out of 5

POSTED: | BY: Barbara Coppola

Wonderful experience

We purchased this insurance for our Morkie who was six years old a and our concern was that she possibly had esophagus problems. She fortunately did not have this problem, but unfortunately while being playful and running in the yard, she ruptured her cruciate ligament. We submitted a bill for close to $4,000 and were reimbursed appropriately within two weeks. Very happy with their service. Very prompt and courteous.
5

out of 5

POSTED: | BY: Karly Chew

Worth the wait

Despite the time it took (just shy of 3 weeks) to get the reimbursement, I am so impressed with PetsBest Insurance! It is so comforting knowing the bill I paid up front wasn't near the amount I'd end up paying in the end. They stand by their word. They covered everything after the deductible and my percentage had been met. The bill was 461 and I received 316 back. I am so grateful there are honest companies out there willing to help me with my unhealthy little one. I give this company 5 stars!!
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.

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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