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: Jamie Wade

Pets Best has exceeded all of my expectations.

Pets Best is one of the best decisions I have made on behalf of my dogs - my German Shepherd was recently diagnosed with Immune Mediated Polyarthritis, a disease that seems to be relatively simple to manage but was very complex and expensive to diagnose. Many x-rays, joint-taps, and anti-inflammatory trials later, we had a diagnosis and my boy has been making great progress. I don't think I would have been able to pursue a diagnosis without the help and security of Pets Best insurance. They lived up to every promise and have been fast to process my claims and are true to the policy that I signed up for. Thank you Pets Best, you are amazing!
1

out of 5

POSTED: | BY: Anonymous Subscriber

Insurance is Predatory, and this is not exception

I have been disappointed with the bait and switch tactics of most Pet Insurance Companies, and Pet's Best isn't immune. This industry preys on your love for your pet ~ and since you would be devastated if you couldn't afford what your pet needs to live pain-free, you will pay through the nose to insure against the possibility of illness or injury. they offer you what seems a decent price, but if you file claims, your rates go through the roof and they claim they are 'reevaluating coverage based on local costs of care'. You like to think that they are taking on the same risk that you are, but they aren't. They can do whatever they want, because there aren't any rules monitoring this insurance area. They are literally getting away with murder. And don't sign up for the wellness benefit ~ it doesn't cover enough of your pet's routine care to bother. It costs over $550 for me to get my pet's teeth cleaned, and they hardly cover any of it.
5

out of 5

POSTED: | BY: Joyce Gardner

Wonderful company!

Their customer service people have all been wonderful. They keep you informed every step of the process and have a pretty quick turnaround process. I highly recommend them!
5

out of 5

POSTED: | BY: Annmarie Arriola

I am very happy.

My pet Starr. Had a very bad injury to her left eye. She needed a eye specialist. Very expensive. At first I didn't know what to expect with pets best insur. I am very happy.Pets Best Insurance came through. They handled my claim and took care of business.
1

out of 5

POSTED: | BY: Julie

Still waiting...

I've been waiting weeks for them to pay my claim. They keep asking for more records. They should have them all by now. I know they're trying to dig up something that makes a bacterial infection a pre-existing condition. We spent $14000 getting our dog better. The $5000 Pet's Best is supposed to cover sure would be nice. They've already denied our claim for our other dog's tooth extraction claiming it was "periodontal disease" when she's a small dog with an under bite with no gingivitis. At least that one was less than our deductible (but it would be nice to have it applied).

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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