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: Jim Lykins

There When Needed

Pets Best has been there when I needed them. My dogs and I are grateful.
3

out of 5

POSTED: | BY: tk asharte

The cost per month has gone up…

The cost per month has gone up astronomically this year. A few dollars a month every year makes sense, but this last year's hike sucked. And it takes a long time to process which isn't a big deal but for what we're paying now I feel like that's rough. Re: reply. Over 6 years my dogs insurance slowly went up 42%. Now, this coming year, it's going up 36% over last year. The increase over time has been okay, this year has just been way more than any other year, just about the same as my over all increase in the previous 5 renewals. This has nothing to do with each dog getting a small increase and everything to do with nearly doubling the costs since I got it.
2

out of 5

POSTED: | BY: J Free

Not sure worth it

In my experience, this company groups together unrelated incidents / illnesses (such as skin itchiness with negative ringworm test = ringworm which developed later), to avoid paying for significant vet bills. Also it seems like the deductible is high before they start paying anything. Most normal vet care won't meet the deductible, so this insurance is useless except in major calamities. They also are very strict about not covering pre-existing conditions. I am frustrated and worry it's a waste of my money.
2

out of 5

POSTED: | BY: Aneita

Claim

I recently called in and talked to someone again. My question was I understand That the ACL It's a ligament. But in the policy it does not say when I took my dog in for examination. To find out why she was Limping and never stated in the policy that it would not be covered. Now the person I spoke to say it doesn't say it in the philosophy, but it's n of confused on that. Then she said due to the fact. It was dealing with the ACL is not covered. But on the examination when she had her surgery, she had blood work. But you pull that out of the surgery paper, which was bill $27.60 and paid me 25 dollars. So how can you say you do not cover anything Dealing with the ACL but you can pull out her labs for blood work and cover that. It don't makes sense. I will have to get in touch with somebody to get a clear understanding of this.
5

out of 5

POSTED: | BY: Bill Hale

Speedy Service and Coverage As Promised

Their response to my claim was almost immediate. Within two days, my reimbursement was on its way. They provided the device and coverage as promised. Can’t ask for more than that.

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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