Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,061

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.
3

out of 5

POSTED: | BY: Denny Strunk

Be sure to read the exceptions.

I purchased Pets Best for my two dogs. My lab damaged her ACL 3 months into the program. I was thankful I had purchased the insurance, unfortunately the plan must be in effect for 1 yr before ligament injuries are covered.Out of pocket: $2,800. Coverage : $00.00. I'm still glad I have the insurance and will maintain it as long as my dogs are with me. I understand the reasoning for the delay in coverage. Just read the fine print.
1

out of 5

POSTED: | BY: Tanya Baker

Frustrating, inefficient claims process

I got Pets Best after thoroughly researching numerous insurance companies out there, and based on reviews Pets Best appeared a great option - most reviews stated quick claims processing and payment of a large portion of vet bills. I have been with them 6+ months and submitted my 1st claim (only for $200) over 1.5 months ago - both my vet and I have gone in circles with them since then and the claim is still unresolved. They 1st contacted me about needing paperwork from the vet - completely understandable. Since my cat had only been to this vet once, I promptly let them know this and also gave them the contact info for her regular vet she had seen her whole life so they could ascertain "pre-existing illnesses" (none existed). A week or so later I was informed via email that my claim was closed because the vet that had seen my cat for her unexpected illness had not sent in records from the one visit. They did not enlist my help is contacting my vet or let me know they were having difficulty reaching them, rather they simply closed my claim out. I was frustrated with this and let them know, and in response a representative called me personally which I was pleasantly surprised by. This has been the only positive aspect of this frustrating, time-consuming process. As soon as I was made aware of my vet not sending in the paperwork and my claim being subsequently closed, I contacted my vet who promptly sent in the paperwork from the one visit. Another week or 2 later P
5

out of 5

POSTED: | BY: Cole

Great Insurance

COLE IS A 13 YEAR OLD DOMESTIC LONG HAIR THAT DEVELOPED HEMOBARTONELLA IN MARCH OF 2011 HIS CLAMS HAVE BEEN PAID PROMPT AND WITHOUT ANY PROBLEMS. I WOULD ADVISE ANYONE TO PURCHASE THIS INSURANCE
5

out of 5

POSTED: | BY: Barbara

Best decision for my 3 pugs

I had always believed in insuring my pet. My first pug had insurance from when he was months old. I was never truly satisfied with the coverage or customer service, but at least I was getting some money back when we submitted a claim. One day I was so frustrated with the insurance customer service we had, that I sat for a few hours and did my research. I never bothered before because I didn't think there would be a big difference in companies. Well, I was so wrong! You see, I now had three pugs to insure and I needed a company that cared for them as much as I did. Insuring our pugs with Pets Best was the best decision I made. Our claims are processed quickly and we get much more money back.
5

out of 5

POSTED: | BY: Sue Krohn

THE Best

I have had numerous pet insurance coverage for my pets, but have been with Pets Best since '08 and am very glad I changed over to them. Their staff have been very empathetic, have done their best to work with me, and truly care about animals. I would never change from them, wherever I live. I love their honestly and how they treat their customers. So great to work with!

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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