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.
2

out of 5

POSTED: | BY: Sarah

Here we go again...Premium increases

There are a lot of things I like about Pets Best. They really have a great turn around time and great customer service. However, now my premiums are going up signficantly (last year was 50% and this year an average of 44%). I am told it has to do with location, breed, and vet price increases. I am mightly disappointed in them. I know they have had new underwriters, but it's not fair to push such huge premium increases on your customers. In regards to my one and only claim for this particular pet, the claim was processed in two days. For that, I'm very impressed. However, they won't cover giardia tests because it's has parasites that be prevented. Not true anymore. There used a vaccine but it proven to be inneffective so the American Veterinary Assocation removed it from their list of recommended vaccines. It doesn't work. I have a pet covered over another insurance and they told me they do cover giardia because there is no vaccine that can prevent it from happening. My overall feelings are mixed on this company. I cannot in good conscience place my new pets under them. But when it comes to calling them and having claims processing, they are extremely fast. They typically don't question anything either.
5

out of 5

POSTED: | BY: Marcy Edwards

Life savers! Happy to be covered by Pets Best!

For many years now, I am so grateful to have Pets Best Insurance. I have submitted a few claims and they are always so responsive and fair. My pets are family and I adore them. I am happy to be able to properly care for them when they are in distress. Thank you for the way you handle the situations, as I am usually stressed to the max. It is a REALLY good feeling to know I am covered in this area.
5

out of 5

POSTED: | BY: LB Goodman

Never thought I could LOVE an Insurance Company

It still amazes me how wonderful this company is. My dog recently lost her tail to cancer. We were at a loss. Not only were we scared to death about losing our baby, but we did not know how to begin dealing with the all of the tests and surgeries. Not only did Pet's Best walk me through the claims process BEFORE the surgery so we would know what to expect, but they lent me a very understanding, kind ear while I cried on the phone. The claims representative worked directly with me so that I received the absolute MOST from Pet's Best and did not once try to find a way around payment. She showed me exactly how to claim it and the covered EVERYTHING. Our baby is happy and healthy and sporting her new nubby tail with pride. I cannot thank this company enough for the support and care they showed our family throughout this entire process...Thank you again!
5

out of 5

POSTED: | BY: Caryn Abrahams

Incredible service!

I submitted my vet bill and, according to my plan, expected a response in 10 business days! Got an email immediately verifying receipt and another one a day later saying my monies would be deposited the following day. I am so happy I opted for Pets Best insurance for my Shih Tzu puppy, Sassy. A friend is using another company and has had nothing but problems getting their claim paid.
5

out of 5

POSTED: | BY: Tracy True

Reimbursement in ONE day!

I have submitted 3 claims to Pets Best over a couple of years for cats and my dog. The submission of the claim is painless, and my claim has always been processed within one day. Payment goes directly into my bank account. Having a sick family member is hard enough, knowing Pets Best will be there is very comforting. Thank you Pets Best. Tracy True

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