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.
5

out of 5

POSTED: | BY: Michael Talbot

They paid!! no questions asked in 8 days.

Our WESTIE became ill suddenly and died 5 days after being in the best Vet Hospital in L.A. Pets Pest Paid in eight days..no b.s. problems. Pets Best send flowers to our home? My wife was taken back? Pets Best sent a condolence card to us. I couldn't believe it. Pets best paid $7000 out of the $9700 owed. They paid the maximum coverage that I hard bought. Had I bought the Premier plan they would have paid the
2

out of 5

POSTED: | BY: Charles Clinard

Read the fine print!

Upon having my claim flatly denied for a dislocated kneecap on my 3 year old cat, I read the policy and see that patella subluxation is considered congenital and not covered, even though ours was due to an injury. My fault for not reading through everything before signing up!
5

out of 5

POSTED: | BY: Cher Mergaert

You are the "Best"!

Everyone @ your company is so kind and caring. When my cat first got sick & the first claim was submitted, you called & took care of everything! It's so great to have someone in your corner that really truly cares. Your customer service truly puts the "Best" in Pets Best Insurance!
1

out of 5

POSTED: | BY: Erica Cortez

VERY DISSAPOINTED!

Before purchasing insurance I specifically inquired re what the company defined as a pre-existing condition. I specifically asked if a dog had ever had some form of illness/problem but had gone away/been cured and it later reoccured whether that would be denied. I used allergies and ear infectiona as examples. I was informed (and I'm paraphrasing) that as long as the issue reoccurred independently at a later date it should be covered. Trusting this was true I purchased a policy in October 2011. Sadly, a month later my dog developed 2 bumps on his legs, which initaly the vet thought was allergies/alleric reaction. However, several visits and tests later they determined he had 2 mast cell tumors and he had to have surgery. I submitted the surgery and vet bills re these tumors and they were denied! Re the allergy issue, Pets Best claimed he had symptoms of this condition prior to the policy. Re the mast cell tumors they claimed that the condition had to have started before the policy given "the amount of time such a condition takes to develop?!" Really?! The bumps occurred almost over night and my vet said there is no way to tell how long/when this started. In case you don't know, anything in animals can take time to develop because unlike humans they don't talk and tell you what's wrong nor do you have regular check ups. So basically this excuse can be used to deny ANYTHING because how long does an ear infection or a cyst or a bladder infection, etc. really take to de
5

out of 5

POSTED: | BY: Ronnie Tucker

One of the best decisions I've ever made!

I lost my last dog to cancer that could of been treated...but due to the cost...the hardest decision I ever made was to put Cheech down. I swore I would never own another dog. One day about a year ago a stray puppy with the exact same coloring of Cheech ended up in my yard...then in the house...while searching for low cost pet care I ran across pet insurance. I researched all the companies and found what seemed the best..filed my first claim recently and honestly..Pets Best exceeded my expectations

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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