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: Jennifer O'Connell

Excellent Service

I had to take my dog Lucy in to the ER on Sunday for a foxtail that she had lodged up her nose. I submitted the claim for her on Monday morning, June 11, via fax and within 5 min. I received a confirmation via e-mail that they had received the claim and would process. The very next day, June 12, I received another e-mail stating that my claim had been processed and that my reimbursement was on the way to me via mail. I am extremely impressed with the service I received on my claim. Great job.
1

out of 5

POSTED: | BY: Treefrogbookie

Beware

I have had Pet's Best insurance for about a year now. My 7 year old cat recently started urinating outside of the box, which is unusual for her. I took her to my vet who wanted to rule out medical conditions, such as diabetes, urinary tract infections, etc. We did some lab and some radiographs. Turned out to be strictly behavioral due to some changes in the household. I submitted my claim to Pet's Best, but was denied due to the condition being behavioral. I understand they dont cover behavioral conditions, however, we were trying to make sure she didnt have a medical condition. Maybe next time ill have my vet just lie and say its something so i can get reimbursed. Not very happy
2

out of 5

POSTED: | BY: Disappointed

Switching back to VPI

my friend raved about pets best, but I have had no luck with them at all. I'm switching back to VPI. yes on paper PetsBest seems great, but they nickel and dime you at every corner possible, and they're so difficult to get $ back from. You have to write almost an essay for everything the dog needs, and so far, even though I've had the basic procedures that are "supposed" to be covered under my plan, they find a loophole to not pay me. VPI never did that, and it was so easy, I just faxed them my reciept, and VPI would send me a check. So far my pup and i purchased the most expensive plan too, out of the $400 I submitted, I only got $10 back, saying they will only cover the fecal test. I would not recommend them, This is what I get for swtiching and trying to save a couple bucks.
5

out of 5

POSTED: | BY: Summer

Pets best always comes through!

My dog Dually was diagnosed with Spondylitis and I just spent $700 getting him diagnosed and treated. Pets best processed my claim in two days and wired money into my bank account immediatlely. They are always so pleasant on the phone. I highly recommend them.
5

out of 5

POSTED: | BY: Rose

Truly the BEST

My 2 year old dog Sasha has already had several medical issues in her short life (she loves to eat things she isn't supposed to!) Pets Best has assisted me in 2 stomach surgeries for Sasha, a surgery to re-do her original spay that caused an infection, and most recently, a hip injury that luckily, needed no surgery but plenty of x-rays! All of my claims were handled so quickly and with no questions other than verifications from our vet. One claim was processed and received in under three days! I am so happy that I decided on getting pet insurance and especially happy that I chose Pets Best!

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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