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: Deborah Wood

Such a Relief -- Made a Huge Medical Bill Go Away!

My little dog had over $5000 in medical bills. The best medical care could not save her life, but I cannot say what a relief it was when Pets Best accepted EVERY SINGLE PENNY of this enormous claim. I had a deductible and co-pay, but the payment on the claim was still over $3700. It was very hard losing my dog -- it really helped knowing I did the best I could for her. I have room in my heart to get another dog soon. Now I also have room in my bank account. Thank you!
5

out of 5

POSTED: | BY: Sarah Hall

This insurance company is friendly and efficient.

Make certain that math dodos like me understand your determination of claims and payments. Maybe you could enclose a very simple explanation of this in your intro materials. Sorry if you did and I have forgotten.
1

out of 5

POSTED: | BY: Micki Tiffen

Worthless policy

My cat has arthritis yet they refuse to cover the medication that the vet prescribed. Treatment was not covered as it was diagnosed when the policy took effect. They hound you for details and then deny the claim anyway. Will not be renewing.
5

out of 5

POSTED: | BY: Bob Holley/Rick

Worked well with us to resolve our claim.

Notwithstanding the difficulties in obtaining records Pet Insurance conducted themselves very professionally. All the Pet Insurance personnel involved were concerned about our pet’s welfare. And, worked hard to solve our issues, which were really not issues just us not understanding the claims process, which Pet Insurance patiently helped us understand.
5

out of 5

POSTED: | BY: Jodi

Glad I've been paying for insurance!

I've had this insurance for many years, maybe 7 years now. A vet told me way back then to buy pet insurance and keep paying on it even though I wouldn't have any claims for several years. She said eventually I'd need it and it would make all the difference in keeping my dogs healthy and alive for a long time. This year, I had claims on 2 of my dogs. One has arthritis in her knees and an enlarged heart. The other has arthritis in her spine. I was devastated to hear the results of the Xrays, knowing that there would be more treatments and possibly tests, but I had the insurance in place their whole lives and submitted the claims for the first round of tests, $775. per dog. My claims were paid in about a week and there's a huge weight lifted off of me knowing that I will be able to continue with anything needed for them without going into major debt. I will say that I have paid out a lot to insurance for 4 dogs over the years. My rates have gone up a lot, but the insurance also started covering a lot of additional things that it didn't cover when I first bought it. I shopped around recently when my policy was up for renewal and found that Pets Best was still the cheapest for full coverage. I bought illness and accident insurance, although I was mainly bought it for fear of accidents. If I only had the accident insurance, these diagnosis would not be covered. Therefore, I strongly recommend buying the illness coverage, too. No matter how good we take care of our pets, we really don't know what they went through before we had them or what types of things they are subject to from their heritage.

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