Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,238

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: Jennifer

Great Customer Service, Speedy Claim Process

I decided to purchase Pet's Best pet insurance when I got my goldendoodle puppy about two and a half years ago. It has paid off several times over! I love Pet's Best because my monthly payment is extremely low and since I have been a customer, I have experienced nothing but the best service. The website very easy to use and filing a claim could not be more simple. In the two and a half years that I have insured my puppy with Pet's Best, I have filed three claims. For each claim, I received payment within 7 days of when the claim was filed. I would recommend calling Pet's Best customer service and talking to them about their options. I did this after researching pet insurance thoroughly and it was the customer service that won me over. I am very thankful I chose Pet's Best!
5

out of 5

POSTED: | BY: Paula Davis

Saved!

I can only imagine the pain I'd be going through now if it weren't for Pets Best. I researched all available companies and found their customer service to be the best. Thank God I did. My 3 year old Pittbull was diagnosed with cancer at the beginning of 2010, I purchased his insurance policy when I adopted him as a youngster. This has saved me the frustration of deciding whether to treat or not. It has saved me money, and it has saved my well being. Insurance is absolutley the right thing to purchase for your beloved pet. I have both of my guys insured and love the peace of mind it gives me. Thank you Pets Best. You are the Best.
5

out of 5

POSTED: | BY: Jennifer Fonslet

PetsBest is the MVP (most valuable pet) coverage!

My loving cat Mikey had to be euthanized in 2007 at the age of 8, and it broke my heart that we couldn't do more for him. Our vet bills totaled over $5000 and I am still paying it off 3 years later. I vowed that if we ever decided to adopt more adorable furballs, that we'd look at pet insurance. So when we adopted 2 brothers at 16 weeks old (named Merry and Pippin, you Lord of the Rings fans will know where those names came from!) I researched many insurance programs. I knew I wanted one that paid based on the actual vet charges and not on some outdated and low-cost schedule. The company would also have to be technologically advanced, because to me that means they are putting time and profits into bettering their services. I was also impressed that Pets Best was underwritten by Aetna. So we purchased Policies for our 2 orange tabby brothers. It has been a godsend. Pippin at age 3 had a suspicious lump on his belly that had to be removed and sent for pathology. This happened about 6 weeks ago. We recouped enough from that one procedure to pay 3 months of the insurance cost! The lump was a mast cell tumor and was almost certainly benign based on the lab results. But 3 weeks later another lump showed up and we had that one removed. I was so glad to learn that we did not have to pay our deductible again! Now just last week we have found more bumps on his back. I am taking him to the vet Wednesday and praying it's not the same thing, and that it's not malignant. I am very scared
5

out of 5

POSTED: | BY: Mike &

Pets Best - helps keep our pets healthy

This is the 2nd pet insurer we have used - the first one had some restrictive procedure reimbursement limits and they wound up reducing the benefit on every claim I submitted. After we found out they would consider a disease that popped up during the policy year as a "preexisting condition" for the next policy year, I dropped them. I've been with Pet's Best about 20 months - they are reasonable and have honored every claim I've submitted. I got insurance because I didn't want to have to make a decision surrenering our pets health or lives because we couldn't afford the tests / treatments necessary. Vet bills have become unbelievably expensive (diagnostic procedures and care is better though too). Without insurance, we just wouldn't be able to afford it. Every time I call I get attentive and polite people - very easy to submit claims (all on line now if you want) - I even got reimbursed before my credit card payment came due! Pet insurance isn't "cheap" but it's been worth it for us with our 3 dog family.
1

out of 5

POSTED: | BY: Kara

Huge Premium increases

I have been with Pets Best for over 2 years now and have been pretty happy with them until recently. Why? Well, I just received my renewal policy from Pets Best and was shocked to see a HUGE increase in premium for the coming year. I have two cats under Pets Best, and only made one claim ($500 for an ultrasound to check a heart murmur) in the past year. Now I am seeing an premium increase of 37% in the renewal policy (annual premium in the mid-$500 raised to over $800), in addition to an increase of my deductible from $75 to $100 (Pets Best no longer offers the $75 option). I am planning on moving my younger cat to PetPlan after this current policy expires. My older cat who got the ultrasound will stay with Pets Best because no one else will insure this pre-existing condition. Pets Best recently change their underwriter to Aetna. It is sad to see that profits are more important than their customers since this change. I suggest other pet lovers go look at a different insurance company.

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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