Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 11,967

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.
2

out of 5

POSTED: | BY: Susan Marcellais

Disappointed

My dog was sick for days before a diagnosis of Whipworm. This should not be under wellness but in the core policy. I debated getting insurance for my pug because I had insurance with another insurance company once before for another dog and nothing was ever covered. This was a $600 + bill and nothing was even applied to the deductible. I heard such good things about this insurance and my premium is not cheap.
5

out of 5

POSTED: | BY: Elizabeth

The best insurance plan out there!

I have had my cat insured with Pet's Best since 2007. Prior to that I used VPI. The difference between the two companies is night and day! Pet's Best provides the most comprehensive insurance plan as well as top notch customer service. Reimbursements are easy and fast. They even have a direct deposit feature to get your money faster. I cannot recommend Pet's Best enough!!!
1

out of 5

POSTED: | BY: Phyllis Kahan,

Absolutely Disgraceful and Immoral

I switched insurance on my Maltese this year, when he was 12 years old, because his old insurance did not insure conditions which a dog was being treated for once the yearly renewal date came around. Although they paid consistently [though not 80%] over the years, I thought this was a bad policy to have for an older dog, a dog loved and cared for in the most tender way. Four months after being insured by Pets Best, my dog had high insulin levels. An ultrasound was done, claiming it was the pancreas. Then a CT scan, which said the pancreas was fine, but there was a liver mass. The liver mass was studied under laparoscopic surgery and it was determined it should be removed so the surgery was converted to a full surgery. They found a liver tumor and removed it and yesterday I found out that it was cancerous, although, Thank G-d, the prognosis is good. The ultrasound was $500; the CT scan 1490; the surgery $4400. Pets Best has not paid a dime! They claim it was all pre-existing. Can you belive a liver tumor was pre-existing when his vet did a wellness ultrasound in April 2011 and found everything OK; when another ultrasound was done in August and the liver was again OK, and then in September a cancerous tumor was found. PETS BEST DOES NOT WANT TO INSURE OLDER DOGS. I have appealed the ultrasound [twice} and will appeal the other two, and maybe contact parent company, Aetna. Doubt if they will do anything. I am considering going to a lawyer.
5

out of 5

POSTED: | BY: Elizabeth

Mast Cell Tumor Paid

When my dog was diagnosed with a mast cell tumor, I knew I wanted to have only the best operate on him. I took him to a board certified surgeon, and his procedure cost a total of 1900. Pets Best promptly paid 80% after the deductible, just like they promised they would. I would NEVER go with out insurance on my dogs.
5

out of 5

POSTED: | BY: Patricia Ambrose

Excellent Insurance

I am going on three years with Pets Best, and have found them to be on top of their game! Any and all claims have been taken quickly and efficiently! 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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