Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 11,964

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: Ko

Watch Out!

Inconsistent reimbursement. They did very well with one of my cats, and NOTHING (!!!) for the other one. Wouldn't recommend them because of this inconsistency. Also, no real assistance via telephone regarding protest of their non-payment. Lots of paperwork needed to request a review, including several LAYERS of review. I canceled both cats' policies and went to another provider.
5

out of 5

POSTED: | BY: Donna

This is the best thing I have done for my cat

I have never had pet insurance, so I carefully researched all of the options before I chose Pets Best. The coverage is 80% minus a one-time deductible per incident. I have a cat that was diagnosed with Asthmas/Bronchitis/Pnuemonia. The diagnosis, treatments and medications have totaled approximately $2,000 so far. I have had to pay only the low monthly premium, the $100 deductible and $400. I can download my scanned receipts right over the internet and the response time is very quick. I am confident that I made the right choice in Pets Best and their support has been wonderful.
5

out of 5

POSTED: | BY: Donna

Very Satisfied

Pets Best Insurance has surpassed my expectations. If only I could find health insurance for myself that was as expeditious and cooperative as Pets Best. Within 2 weeks of my dog's hospitalization, I had a check in hand. I have had to file claims, which is very easy, on two occasions since getting my puppy 9 mos. ago. I always know exactly how much of the expense will be covered. I highly recommend Pets Best Insurance.
5

out of 5

POSTED: | BY: Laurie Hoffman

Excellent and fast!!

Buddy, my cat began vomiting frequently. Then it seemed he could keep nothing down. A visit to the vet with xrays and blood work determined it was IBS (in a cat!). We changed foods but nothing helped. Another trip, meds and ultrasound seemed to do the trick. I sent in claim boths and it was paid promptly.
5

out of 5

POSTED: | BY: Jessica

Highly Recommend!

I was skeptical about purchasing pet insurance as I thought any kind of claim would be a long drawn out argument over coverage. Well, I am so happy I bought it. We lost a lab in the ER and had a $1000 bill. When we bought our new lab puppy I did not want to go through this again. I researched and found that Pets Best looked like a good option for us. Thank God I did. Our 5 month old lab puppy got sick and was throwing up. The vet said they believed she swallowed something and needed to do exploratory surgery. This had a $1400 price tag. I really had no choice. It turns out that my dog had not swallowed anything but was having issues with her food. I submitted the claim immediately and called to discuss the issue with pets best. They were always very kind and understanding when talking to me. I fealt like I was talking to a family member. I asked them if they could expedite the claim as quick as possible because I really needed that money back. After asking this by email the claim was processed by the next business day. I have never in my life dealt with any kind of company that was truely genuine and cared. I got almost all my money back too!!! This company is awesome! I will continue to keep my $20 a month plan for emergencies. It has been the best investment I have ever made! The only thing I wish is that more vets would do direct billing. It is difficult for a lot of people to front the money. Overall, I am very happy with them. I would highly recommend them!

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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