Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,821

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: Amanda Hull

I wish human health insurance was this good!

When I received my last EOB, the bottom paragraph asked for this review. I usually don't give one unless the company is truly spectacular. So here's the review. I have never, ever had a problem with a claim, and my dog has had health problems since day one. In her 12 years, she's had 3 shoulder surgeries (covered up to the maximum for that claim), multiple ear infections (ditto the above), and now heart disease for which she's had to see a cardiologist. THAT was expensive. I have never, ever had a problem, and I've received reimbursement in the 3-5 day range for most of it. They've gotten really busy lately (yea for them!), so it's taken up to 10 days for the heart reimbursement, but still...have you ever seen our health insurance work that well? I have 3 cats on the cat illness plan (around $8/mo each). One ate a string for which he had to have surgery to the tune of $2000. Covered. The best part is the customer service-always warm and friendly, and usually asking how the pet is doing.The old lady pup has gone on the wellness plan as well since she's older and needs more exams and yearly procedures, and that's been very helpful too. I can't say enough good things. Love this company and surprised more people haven't heard about them. I spread the word all. the. time.
5

out of 5

POSTED: | BY: L Cook

Glad I have it!

My dog has a condition that required x-rays and other complicated procedures to diagnose. The bills were high, but it was worth it to find out what was wrong. Thankfully, Pets Best reimbursed me for most of the expenses which has allowed me to be able to continue care for him without always having to put a price on it. They were willing to work with me and my vet to arrive at the best result. Thanks, Pets Best!
5

out of 5

POSTED: | BY: Marilyn Frese

Nobody beats PETS BEST!!

Our little Yorkie Mickey has been having a difficult time. It's taken about a year to find a treatment that seems to be working now, and can save his life!! Pets Best has been right there with us throughout this procedure. If not for them, we would have had a very difficult time finding funds to cover all the procedures that have been tried. He now seems to be doing so much better... special foods ONLY, and medications, one of which is quite expensive! Even though the rates rise with the pets age, they are still very close to most good Pet Insurance plans. It is so good knowing that you have a lifeline for some financial help when life throws you that curve ball and you have to scramble to save your dog's life! Thanks for being there for us Pets Best!!
3

out of 5

POSTED: | BY: Rebecca

Prices Are Skyrocketing

We've had Pets Best for our dog for six years, since he was a puppy. When we first signed up, the premium was very reasonable and comparable with other companies. Two years ago, they got a new underwriter, and the premium doubled. Then it increased by a couple hundred dollars again this year. At the same time, it's taking them longer and longer to pay out claims. For one claim this summer, I had to call them and ask for an ETA because it had been more than a month. The person I talked to said the claim had been approved and should be paid out that week. Then I got a follow-up call from her saying the claim actually needed further approval. Historically, Pets Best has been very good about covering my dog's accidents and illnesses, and I've been very grateful to have pet insurance. However, when we got a second dog, I decided to use a different pet insurance company, because Pets Best has just gotten too expensive, and my confidence in their integrity is eroding based on recent interactions with the company.
5

out of 5

POSTED: | BY: Corey Kirschbaum

Fantastic!!

We just got reimbursed $1,600 on a $2,000 Vet bill. That's 80% just like they said. I love Pets Best. They have saved us over $5,000 in Vet bills over the past 3 years alone. We are so glad we got insurance for our puppies. It makes it much easier to get the checkups and the attention they need.

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.

Get a quote today

Leave a review