Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,821

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: Hal Elliott

100% Satisified

I have 2 greyhounds that play hard and love running. Recently one received a dog bite from another dog. I went to the vet, of course it was on a Sunday, he had some stitches and is fine. The bill totaled $545. Today I found out that Pets Best Insurance is sending me $410 (my bill minus 10% and my $100 deductible). Best Pets offers an accident only insurance for a few dollars a month. What a deal and what a company. I recommend without hesitation.
5

out of 5

POSTED: | BY: John N

The absolute BEST. Thank you.

Second time using Pets Best for a claim for our dog Madison. First time to remove an eye because of a disease and currently for Lymphoma, surgery and chemo. The claim process is so easy and the turn around time to get reimbursed is outstanding. The customer service people are so nice, helpful, compassionate and great to work with. I recommend Best Best to everyone. Thank you Pets Best.
5

out of 5

POSTED: | BY: Dwayne Waite

Outstanding

I insured my cat last year and I am so glad I did. They have been timely on claims and very helpful. They are very upfront with what their policies cover and don't cover. A lot of people that have issues are not reading their policy very carefully. I thought my policy rates were going to increase a lot since i have used them for all my cats inhalers which are expensive and it only went up 0.63 a month so I know they don't increase your rates based on the number of claims filed. I will recommend them to everyone and I will always insure all my future pets with them.
2

out of 5

POSTED: | BY: Virginia Bacigalupi

No Longer the Best

When I obtained Best Pet Insurance they were top rated by Consumer Reports - if you do research you will see that their rating has dropped significantly. My first claim was handled quickly and efficiently and my reimbursement claim was deposited in my account within two working days. My shar pei suffers from chronic allergy related ear infections. Otis externa is one of the most frequent claims pet insurance companies process. One year later, she had another episode requiring repeated trips to the vet. Each time Pets Best claimed they did not receive the paperwork - although it is an online process, each time there was over a 10 day delay in reimbursing my account (they still advertise two days), each time they rejected part of my claim as a "grooming expense". I appealed it was was reimbursed two out of three times.I then received a letter that stated they would no longer cover conditions "preventable by grooming". After being a client for almost three years and having premiums deducted directly from my checking account I received another letter stating that they were now going to charge me another $3 a month for a payment processing fee.
1

out of 5

POSTED: | BY: Nancy

Be aware of claimed preexisting conditions

We have had Pets Best for over a year and have been happy with it until recently. After 2 claims were denied (one for ear infection and one for a hotspot), I called Pets Best to find out what's going on. Turned out that 8 months ago I took my dog to the vet to have his anal glands expressed as he was licking it excessively (no surprise there). Now I understand that anal glands were not covered and I was fine with that, however, what came out of this specific claim was that Pets Best determined that because my dog was licking his anal glands and was prescribed a cream to stop the irritation (or itching) by the vet, he was deemed to have "allergies" which Pets Best consider as a "preexisting condition". My dog has NEVER been treated for allergies ever by anyone or showed signs of allergies and now they are claiming ear infection, hotspots are all stemmed from allergies. I'm a healthcare provider myself, and I've never diagnosed a patient with an irritation on his arm as you-are-doomed-forever-allergies and just because a patient had bronchitis does not mean he has asthma, etc. I think it's unethical for them to claim all of these issues are related to allergies. The vet was visited for anal sacculitis for heaven's sake.

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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