Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,058

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: Dobby

Fast, Easy, and Economical

I purchased insurance for our Daschund-Chihuahua mix, Dobby, when he was just a puppy. We had lost our beloved Lab, Sunny, during a surgery for tumor removal from around his liver. Because the surgery was so expensive, not only did we have to deal with the loss of our pet, but paying the bill and not having our dog was very tough. Not wanting to go through that again, we decided to go with insurance. I did alot of research and liked the way Pets Best handled their claims and the monthly payment via deduction from my checking account made it easy and affordable. In the past 2.5 years I have had several wellness claims and one emergency vet service claim, all of them were quickly reviewed and paid - I am amazed. I wish dealing with our health insurance for the human members of my family was as good. Also, I contacted Pets Best via telephone with questions regarding coverage - always received prompt, friendly, and professional service. I have and do highly recommend Pets Best.
1

out of 5

POSTED: | BY: Megan

Not worth the money

I recently had a cat, Lightning, pass away from cancer which was totally devistating to me. My vet, witnessing my sorrow from my beloved pet, found a kitten in front of McDonalds. He had a case of diarrhea so they nursed him to health and gave him to me. When I got braden he was so tiny (5 weeks old) and much too small to insure. But when he hit the mark I purchased Pets Best insurance to cover him. Well at about 11 weeks he I noticed that he had just stopped eating and seemed very lethargic. When he fell asleep in his food bowl I rushed him to emergency where they asked about his health history. The only thing that he ever had was that bout with diarrhea, but living your first few weeks at McDonalds can do that to humans. They determined that he had dehydration because he wasn't eating and drinking and sent us on our way. The next day he seemed better that morning but in the evening he began having horrible tremors. I rushed him back to emergency where they again determined that he must just be dehydrated and gave him more fluids. The next day I took him to his vet and she did a complete blood pannel on him and determined that his blood sugar was 30!! That explained the shaking, lethargy, lack of interest in food which were his symptoms and original complaint. Well Pets Best ordered medical records eventhough they had the complete invoices and payment records which is what they claimed is all that they needed. Well, they saw that he had diarrhea when he was found and denied
5

out of 5

POSTED: | BY: Chessie

Beyond expections!

My dog was injured by someone leaving broken glass in the bushes, requiring emergency surgery. After that, follow-up visits (we're on our third so far) for splint change, medication, and stitch removal. To my surprise I got two checks in the mail already - not even three weeks after the accident - that will pay for nearly everything after our $100 deductible. I am delighted and so happy ... glad I kept this up, especially in a year where I was unemployed for nearly half of it. Cannot recommend enough!
5

out of 5

POSTED: | BY: Peggy

Excellent

Cody was biten by a rattlesnake, and had to spend two days in the hospital. I called and asked for a claim form and they asked what happened and seamed very caring which was very kind. My claim went very smoothly I couldn't beleive it. All of my claim was not taken care of the first time I called and they were sorry it was overlooked the first time and promptly taken care of. They also asked how Cody was doing. I really did sound like they really cared which is really nice to know. I have recommended them very highly to some of my friends, and I usually don't do something like that.
5

out of 5

POSTED: | BY: Justin

Easy, Fast, and Reliable

Our 8 year old Westie started having balance issues one evening, so we rushed him to the emergency vet. He was kept over night and the following day he was sent to the neurologist for an MRI and potentially some other tests. He ended up having an inner ear infection and with some medication he is doing great. This was our first experience with Pet insurance and our first claim with Pet's Best. My wife and I could not have been happier. The process for filing a claim was simple and the check (minus the deductable) was in our hands within a week.

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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