Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,099

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: Jeanne

Great Insurance

Pets Best is so easy to deal with. I chose a plan that has 100.00 deductible and then pays 80%. I know I will always pay something for dollys care but she has had to 3 big things happen that cost over 200. most recently she has had gastritis and threw up and then was not eating well on and off and for 2-3 weeks. I took her in when I could just hear her belly gurgling and she was not eating. Long story short, she had fever and needed and xray of her belly, It showed bloating and gas although she had not really eating. she had a stool sample checked for worms which she did not have. she was put on stomache medication. Anyway the labs xray meds exam ect was 650.00. I submitted my claim on friday and it was processed for 440.00 by the following wednesday and the money was directly deposited into my account. This insurance is great. If your dog or animal ever gets sick it's costly and this insurance is worth it.
1

out of 5

POSTED: | BY: Trish D

Not a happy camper!

I bought this ins with the wellness plan. You have up to $480 per year for wellness coverage. I understood that if your pet had to go in other than the annual exam, you would be covered. Not so. You can only use each one once as in heart worm pill, 1 UA, 1 blood panel etc. My dog goes in more than once a year as she is getting older and is requiring more care as in having more than one UA. This deductible business is per visit, not accumulative through the year. I am looking at other insurances as Pets best has been a real pain for me, I don't know why I even have it, as not much has been reimbursed back to me as there is always "something" according to them. I have stopped referring people to them.
1

out of 5

POSTED: | BY: Cheryl

Tired of all of the denied claims

I would not recommend Pets Best Insurance. I have 3 working Border Collies, and recently they have denied everything. Then it is up to you to try and fight it. Too much work and stress! I figure I can put the money I have been throwing away at them in my savings and not waste my money. They used to be very good, but not recently at all. I would NOT recommend them!
5

out of 5

POSTED: | BY: Norman

Highly Recommended Insurance

My little dog "Lola" apparently ate something very toxic left on the ground at an RV campground last week - Lola started vomitingun-controllably and became very lethargic and refused to eat or drink any water - I immediately took Lola to a 24 HR emergency vet hospital where the DR immediately put Lola on a constant 24 Hr IV needle and kept the dog under close observation + repeated blood tests for over 5 days in the hospital - this hospital + this DR literally saved my dog's life - Lola is back home with us once again and appears to be perfectly normal - had it not been for PetsBest insurance coverage I would have been faced with the awful decision of putting Lola down due to not being able to afford the tremendous cost of saving her - PetsBest has reimbursed me 80% of a hospital bill well over $1,000.00 - need I say any more ?
5

out of 5

POSTED: | BY: Kari Myers

Great service and great plans

We lost our doxie tragically and because we didn't have the money the first day and looked for other options. We looked into pet insurance the following month when we adopted our Gus. We have had Pets Best ever since. We have the middle plan and used to have the wellness plan attached. Did not find the wellness plan as beneficial as the regular. We have used our pet insurance several times including when our basset hound ate some carpet and had to have emergency care, during which they noticed he had bladder chrystals and he had surgery for that covered by Pets Best and now our Gus had a growth on his elbow which was treated for almost a year. The growth was removed and biopsied and it was cancerous. Gus had a 2nd surgery and it was all covered. The fact that you only have to pay the deductible and then they cover 80% is better than some health insurance for humans. When they started direct deposit I thought I'd gone to heaven lol. I recommend Pets Best to all my friends and coworkers. As long as you follow the claim procedure everything goes smooth, quick, and friendly. Also, the feeling of not having to freak out and hear like we did that will be $7000 or we can put her to sleep. We are free to worry about our pets in tough times not all about the money.

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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