Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,049

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.
1

out of 5

POSTED: | BY: Stacie

Put me in a really horrible spot

I had pets best for 2 years and have been happy with them until yesterday. I got a email saying that a claim I submitted was not going to be cover (even though) this same claim was covered last month (for medication) and it stated its because the condition was preexisting. I called and talked to a customer service rep named Amanda I started to explain how there must be a error with this claim and to look into it. She comes back and tells me there was actually an error on their end 2 years and that they have been covering a condition they shouldn't have been and they thought that I should be thanking them for covering something that I guess was preexisting (even though it wasn't - yes when I signed up for insurance my dog had something going on with her but we still to this day have no idea what) and now they are thinking the medication she is taking to a condition she had 2 years ago. My dog is 10 and has to go to the vet now once a month and now is not covered so needless to say I was unhappy and wanted to speak to a manager. Bren a manager called me back and was even worse at speaking to customer than Amanda her response to me was again I should be thanking them and I SHOULD TAKE OWNERSHIP because I supposilvely gave false information when signing up with them 2 years ago. MY DOG WAS NOT DIAGNOISED WITH ANYTHING AT THAT TIME! I dropped this insurance company immediately and signed up with healthy paws with actually better coverage for half the price. Obviously her conditions will not be cover but I refuse to give pets best another penny.
5

out of 5

POSTED: | BY: Colleen

Good Claims Process

We have had PetsBest for several years. They pay promptly and have a nice, easy automated system. I did disagree with one decision. They allowed me to appeal and then paid the claim. I am very happy with this company.
5

out of 5

POSTED: | BY: Donna and

The best investment i have ever made for my puppy

We have been back and forth for 6 months now with an undiagnosed GI issue since september, 6 months ongoing visits and our claims have always been paid without delay or questioned. Including our midnight trips to the emergency center. I decided to change vets for a second opinion and started over from scratch and there was still no delays or questions. Pets best is truly, the best. The absolute best investment i have ever made. Reimbursement is quick and directly deposited. Saved me thousands.
5

out of 5

POSTED: | BY: Lisa Richardson

Happy Dog Owner

Wellness exam claim processed quickly and explained in good detail. Pets Best is the second pet insurer I have used and this was my first claim. I like having the wellness option. The customer service personnel are helpful and very informative.
5

out of 5

POSTED: | BY: Mark Schane

Easy and helpful

We submitted our claim and PetsBest kept me informed of how the our claim was proceeding, they processed it quickly and we were pleased with the coverage.

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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