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.
5

out of 5

POSTED: | BY: Beth Richmond

Thank you thank you thank you thank you!!!!!!!!

My dear Italian Greyhound, Niles, was diagnosed with meningitis last week. It was a horrible ordeal for our whole family, especially for Niles who was in a great deal of pain. We have a top notch specialty hospital about 3 hours away, where the care is thorough, high tech, and not cheap. I was desperately concerned about the cost of the procedures necessary to diagnose Niles' problem, and if it hadn't been for my history of trust in the integrity of Pets Best, I might not have had the confidence to proceed. Without Pets Best Niles' story might have had a tragic ending. Thank you Pets Best!! You are the best!
5

out of 5

POSTED: | BY: Winston

Awesome

Awesome experience! I filled out the wrong form and the customer service rep explained the difference between the forms and emailed me the correct one. I faxed it over and within a few days everything was settled. A few days after that I received an email saying that my claim was being paid out and when I should expect it. Thanks a million!!
5

out of 5

POSTED: | BY: Sam

Timely payment

I've been with Petsbest insurance for 8-9 years or so and have been satisfied with their service. Other than one claim where my dog ate something she wasn't suppose to, I would recommend their service. My advice would be for potential customers is to read and understand the policy. You don't want to get caught by surprise - in any insurance policy. One incident recently (day after Christmas) the policy saved my bacon. My dog suffered hemorrhagic gastroenteritis and her normal vet office was closed so had to take her to a 24/7 emergency hospital. After a two day stay, she was out of the danger zone but the bill was astronomical. But Petsbest paid out in two weeks.
5

out of 5

POSTED: | BY: Donna Hardiman

Smudge's care

I have a cat with two lumps on him. I wasn't concerned about having the tests done on him because I knew I had Pets Best Insurance to help me. The tests came out great and the insurance helped out with the costs
2

out of 5

POSTED: | BY: Joy Hatfield

Payment of 3rd Claim

Submitted a claim for services on 12/30/15. Company took 15 days to process the claim instead of 5 days which is the advertised promise. Kept being called by Underwriting or customer service twice to ask if my dog, who is only 2 years old and who I've only had since 4/15 had seen another vet. Told them no. Received another call several days later asking again if my dog had been seen by another vet other than the one I was submitting the bill for. I knew what they were getting at; they were trying to say that this condition was a pre-existing condition so they wouldn't have to pay the claim!!! There was no pre-existing condition for my dog but this is what they were "digging" for. THey had never questioned the first two claims, but questioned this one!!! I thought this insurance company was the best pet insurance I could get for my dog. However, they are just like all the rest; they like it when you pay your premium, just as long as the animal doesn't have too many claims. I get this to mean that even though my dog still has the problem for which she sought medical treatment, that any further bills I submit will be scrutinized under a microscope and payment will be delayed. This company is horrible, just like all the rest. Be careful, because if your pet gets sick, and it takes several tests and/or vet visits to determine the problem, your claim will be delayed and/or possibly denied!

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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