Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,834

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: Megan

Great Service!

I have had Pet's Best for about 18 months now. Submitting claims is quick and easy and my reimbursements are always processed quickly! Definitely recommend.
5

out of 5

POSTED: | BY: Jennifer K

Very pleased with Pets Best

I did a lot of research on pet insurance when I first got my rescue and decided to go with Pets Best. They have been VERY fast to pay claims (within 5 days or less), explain my benefits well, and have answered any and all questions I call about. They even covered a dermatology specialist's visit and testing which is not cheap! In fact, I accidentally called the wrong pet insurance after Googling "Pets Best" to get the number - It started with "Pet" so I hit call. It took FOREVER to get in touch with a person, they were very short with me, and it wasn't until they couldn't find my policy that I realized I called the wrong place. Whew! Finally found the right number it was a very different experience. Pets Best answered right away and got my questions addressed. They have an online chat service that has also been great and convenient. Overall, I highly recommend. It has been very much worth the money.
1

out of 5

POSTED: | BY: Dina Badagliacco

Not Happy

My dental claims were denied for my both of my dalmatians. My first one was a cleaning and an extraction (because she'd damaged it on a bone- which is supposed to be ACCIDENT) and PBI denied it. Said it was neglect! Neglect would have been to allow it to remain! The 2nd one was a cleaning that was also denied because they again said it was Neglect. I wasn't about to put my dog under anesthesia needlessly prior to this so the reason she was getting her teeth cleaned was because there was some tartar. It makes no sense to me whatsoever. Oh and I HAD to post pone her dental cleaning for a bit due to her having several cysts that popped up and the vet said they were a priority. We didn't do them at the same time because we did not want a higher infection risk to be present.
5

out of 5

POSTED: | BY: Joyce

Another great experience with Pets Best

My Holly has had a rough year. She got into some poison, she developed incontinence and now diagnosis with serious osteoarthritis. Pets Best has made it so easy to process the claims for these problems and my reimbursement has been deposited in my bank account within 3-4 days. Thank you Pets Best. You are the best!
1

out of 5

POSTED: | BY: Ken Koonce

Beware pre-existing condition exaggeration

My dog was treated 3 years ago for anxiety due to dental surgery. Now, my dog has IBD (irritable bowel disease) and is in a lot of pain and distress. Vet prescribed anti-anxiety meds, but Pets Best declined coverage because of a "pre-existing condition." There is no relation between dental surgery 3 years ago and a chronic bowel disease. Will not insure another pet with this company.

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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