Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,104

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: Amy Lenk

I am very pleased with my policy at…

I am very pleased with my policy at Pets Best.
5

out of 5

POSTED: | BY: Linda West

I have been a PetsBest client for over…20 years

I have been a PetsBest client for over two decades. They have never failed to pay an eligible claim! Most recently, my Airedale Wyatt Earp tore a muscle in his hip. Diagnosis, treatment and rehab bill was over $5000. They paid without an issue. The only problem I have is that the length of time between incident and pay out was lengthy. When I first signed up it was between seven and ten days. Now it is usually a month, give or take a few days, for them to pay. But I am so grateful for their coverage.
5

out of 5

POSTED: | BY: CustomersUSAN AND eD bONI

We're only crazy to not have had insurance for our other dogs!

We're only crazy to not have had Pets Best insurance for our dogs. Our Siberian husky. Mika. Has had a major surgery which we were caught off guard about!!! Pets best paid all of the bills, in full. As soon as they were presented. Pets best is the best. And we've been telling people about this and they have been getting it for their pets ! The absolute best thing 🙏❤️
5

out of 5

POSTED: | BY: Jak

This was my first time using this it…

This was my first time using this it was very easy my questions were addressed.
2

out of 5

POSTED: | BY: Diana Arechar

Horrible Experiences

First of all, their turn around time for completing claims is awful. Over a month. I had a multi pet plan. The claim for one of my dogs who I had to put to sleep, was denied, first because they said my vet didn't sent records. How about you call me first so I make sure records are send instead of closing the claim a MONTH after I submitted it. Then it was denied after I reopened it because they said he had a preexisting condition. I had to put him to sleep because he had liver cancer but that had not been diagnosed previously. They said well he had a history of elevated liver enzymes. The lack of compassion was astounding to me. I asked if I could speak to a supervisor and the person refused, stating that the decision would change. Then my other pets plan more than doubled in price because they said the cost of everything was going up so they needed to charge everyone more. They changed my reimbursement rate without asking me. I called to double check the new price, was told incorrect information. I called again to double check and that person would go silent multiple times making me think the call was dropped, then put me hold for over 5minutes only to return with more incorrect information. I told her I wanted to cancel the plan. I told her about my bad experience with my other pets plan, she said 'it says here it was denied because of lack of vet records'. I said well you're wrong again and the fact that I have to reiterate what you should have on record about records having been sent after and then it still being declined is crazy to me. Canceled.

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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