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: Kathryn Ramos

Impressed with clarity, promptness, professionalis

The policy declaration is short, concise, and easy to understand. The claims filing process is a breeze. I was impressed by how quickly our claim was processed, within 3 days of faxing the vet's invoice! And how much of the total bill was covered. More than I expected. It is very stressful to have a dear little beloved pet injured and have to endure surgery and recovery. On top of that, the financial burden can seem overwhelming. I'm so grateful to Pets Best for taking some of that burden away. Thank you Pets Best!
5

out of 5

POSTED: | BY: Sarah

Great Customer Service and Easy Filing

Our dog is a complete lemon - a wonderful, cuddly lemon, but a lemon all the same. When she was a puppy we realized that health issues would be Charlie's constant companion and, after her irritable bowel disease diagnosis, we started shopping for pet insurance. Many of the companies that our vet recommended (including pet insurance giant VPI) refused to take her saying that her IBD was a preexisting condition and they would not take the risk. Pets Best not only took the risk, but has been incredible to deal with over the years. And deal with us they have! If health issues were dollar bills, I'd be a very wealthy person - urinary incontinence, Vitiligo, chronic ear infections and even a torn ACL that required surgery - Pets Best has been with us every step of the way. They've treated us fairly as far as reimbursement is concerned and their customer service is outstanding! Not only is their portal easy to use, but their phone reps are the nicest customer service reps I have ever dealt with. They will literally help you with ANYTHING to do with your policy - I have never once been told it wasn't their job and they have often had to go above and beyond to assist me with complex questions regarding my dog and her health. These guys really know their stuff and are more than willing to help you along the way. Yes - there are restrictions on what they will pay for (as with ALL insurance companies!), but if you read the contract before you buy you'll know whether or no
1

out of 5

POSTED: | BY: Esther Bailliet

failure to disclose clearly deductible

Company denied claims because they applied to each of them an individual deductible ...since one was for an intestinal infection and the other for a conjunctivitis...it meant that I was made to pay again and again for each condition and only a chronic one would qualify for reimbursement,,,
5

out of 5

POSTED: | BY: Sharon Tydell

Pets Best Insurance IS the BEST!!

My dog had a broken tooth which was broken up inside the gum, so it was loose. I took him to the vet & was told it wasn't a simple extraction, it was a surgical procedure & needed to be done right away or it could abcess. Surgery was performed, and turned out there was also an infection. I paid the bill, which was over $800, including a deep cleaning while he was under anesthesia. I submitted claim to Pets Best, and after they contacted me a couple of times to request some past vet records & ask a couple of questions, I received a check for $600!! Pets Best paid for everything except the deep teeth cleaning, & less the $100 deductible!! Needless to say, I was thrilled. I also have another dog with Pets Best Insurance, and he developed a rough bump on his chest. I took him to the vet, and he is being treated for dermatitis. He has had a few vet visits & medication, and Pets Best has reimbursed me for almost all of the cost. I have always been hesitant to get pet insurance, but decided to jump in and give it a try, hoping I wouldn't be wasting my money, and I must say, I made the right decision by going with Pets Best Insurance!
5

out of 5

POSTED: | BY: Maureen E.

Pets Best "is the best"!

I have had two claims with "Pets Best". Their customer service is excellent. I always get someone who "actually" answers the phone! Yeah, that is unusual in this day and time. They are professional, extremely helpful and caring. I highly recommend 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.

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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