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: Emily Barry

Only the best for my boys.

Most pet insurance companies have set reimbursements for certain things...but Pets Best does not, which means my boys will always be able to get the best of the best. My dog, Cooper, ate a palm nut right after we moved from Colorado to Fort Myers Florida and got extremely ill. Luckily I had Pets Best insurance for him and they reimbursed most of the expenses for his several day hospital stay and er visit which included specialists care. Sadly enough I think my boys insurance with pets best is better than my health insurance.
5

out of 5

POSTED: | BY: Patricia Cates

Awesome

I was so fortunate to have bought the insurance for my Honey, her surgery and chemo was covered till it was over, I would have been "lost" without it. What a blessing.
5

out of 5

POSTED: | BY: Colleen

Claims Paid - No Questions Asked!

After my puppy ate two rocks we determined that pet health insurance might be a good idea and believe me, it was! We have had to file claims for two additional "events", and one claim was more than what we spent to have the rocks removed - with three different providers. Pets Best took care of everything and paid just like they said they would!
1

out of 5

POSTED: | BY: Wendy Hunt

Company has ridiculous pre-existing clauses.

This company does not cover ear infections for a cocker spaniel if the cocker spaniel has had an ear infection in the past year. So unless you get the inusrance with the puppy, you aren't covered. I bought my dog at 6 months. It is totally unreasonable, as they know that all cocker spaniels are prone to ear infections and will have them more than once a year. I bought the $65 covereage so I would not have to think about anything and ended up paying for every vet visit. If this is how they operate, then it is NOT a good company.
5

out of 5

POSTED: | BY: Tara G

So glad we decided to try it!

I was always skeptical of pet insurance, however my husband and I have what you would call bad luck so with our new dog we decided to try it. After thoroughly reviewing all pet insurance companies, policies, premiums, we decided to try Pets Best. We haven't looked back. They have done everything they say to do, and we have been very happy. I keep a very detailed spreadsheet of our vet expenses and what Pets Best reimburses us, and we have more than "made out" in the year & half we have been with them, including deducting two full years of pet insurance since we pay the full year up front. We have had multiple claims with Pets Best from lump removal, to pneumonia, to overnight vet care and everything has been handled wonderfully. We are very thankful for 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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