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: Elizabeth Shulman

Extremely professi9onal, responsive, reliable.

My Maltese had hearing loss. I traveled from Florida to New MRI and spinal tap under anesthesia which cost over $2300.00. While I had extremely good response from Pets Best for more normal claims, I anticipated delays and lengthy inquiries and discussion regarding this claim.In fact, it was handled with great promptness, very courteous and simple inquiry, and much to my amazement, the same fair reimbursement for expenses as my much smaller claims. I recommend Pets Best highly.
5

out of 5

POSTED: | BY: Katie Anthony

80/20 makes Pets Best the insurance for us.

We have two dogs and have had pet insurance for almost 4 years. We have had Pets Best for the past two years and like it much better than VPI. The reason we like this one more is that the emergency coverage is more up front with the 80/20 plan. What got covered with VPI was never very clear to us. With Pets Best, we always know that we will get some of our bill payment back. The only downside is that the plans we have Pets best cost more than the ones we had with VPI, but I would rather pay a little more every month for the peace of mind I get knowing we are definetly covered with Pets Best. The customer service with Pets Best is also excellent! We normally get repaid very quickly and I like the direct deposit option.
4

out of 5

POSTED: | BY: Christine

Pets Best is saving me

So glad I chose them. They are quick to review and reimburse and I would be in serious financial turmoil if it weren't for their illness coverage helping me pay for emergency and treatment costs for my dog. Thank you sooo much!!
5

out of 5

POSTED: | BY: Pamela LeCorre

Hassle free claims service - prompt reimbursement!

After cancelling VPI pet insurance, Pets Best was a breath of fresh air! Filing VPI's claim forms and figuring out what they covered and didnt cover (emphasis on "didn't) was SO stressful! Going through an illness or traumatic injury with your beloved pet is stressful enough. I spent too much time on the phone with VPI representatives and trying to decipher the reimbursement statements - time better spent tending to my sick or injured pet. Don't be fooled just because VPI is the first company to come up when you search for pet insurance. Their policy is confusing and they pay according to an outdated payment schedule. Stay away! Switching to Pets Best was the best decision I ever made. No hassle, no worries, easy claim forms and quick direct deposit (if you choose) for reimbursement. I spent too many sleepless nights worrying about vet bills with VPI. With Pets Best, me and my furry children sleep like babies!!!!!
5

out of 5

POSTED: | BY: Sharlene

Happy thus far

I have had a couple of claims with my dogs (I have 3 samoyeds) and some have been denied for obvious reasons. I understand this is a business also and pre existing issues are not considered. I just recently had my youngest samoyed who is 4 years old diagnosed with Addison's disease which is an adrenel gland disorder. It took them about 5 days for review and processing and the reimbursement was deposited with 2-3 days after that. This is a lifetime disease but not as costly as other diseases so I know that they will pay for any issues that may arise for this claim. I was relieved to know that the insurance would be there for me when needed.

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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