Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,834

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: Lisa

Disappointed

My dog likes to "eat " things. Found out today that this behavior is considered "repetitive ". If he eats anything else in the next 18 months, he will not be covered.
5

out of 5

POSTED: | BY: Marlene Akeroyd

Financial help for My dear doggy

Meme was diagnosed with inoperable Oral Squamous Cell Carcinoma. Her claim was handled efficiently. We started with our regular Vet and then where referred to Specialist. All the claims were paid promptly. Iggy one of our other dogs claim was settled, last year, just as efficiently
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!!

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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