Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,237

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.
4

out of 5

POSTED: | BY: Susan Casalotti

Just Silly Not to Have IT

We had pet insurance for our last dog scratch who developed a cancerous tumor. If it was not for the insurance we would not have been able to afford treatment at all. I only wish that more vets would honor the insruance, especially once the claim has been approved, and let you pay the deductible. My current pup, Sheila is also covered and fortunately, we've not had any claims yet, but if we do, I know that we will be covered.
1

out of 5

POSTED: | BY: Irene Oneil

PetsBest FINDS a reason not to pay

My dog had emergency surgery for an abcess tooth. They deny the claim calling it "periodontal disease", of which my Vet NEVER diagnosed, or was written on any of the paperwork. How do they know this???? Did they do the surgery?? Not good. Bad customer service I am still fighting them...go somewhere else., Very deceptive
5

out of 5

POSTED: | BY: Shannon Dobson

very satisfied customer

I have my dogs on Pets Best and have always been satisfied with their service and payments. One of my dogs died of cancer in January and her final bill was paid back to me in just 2 business days (although, that was admittedly a record time) and when I needed to cancel her policy the folks I spoke with on the phone seemed very genuinely sympathetic to hear of her loss. I've gotten personal responses from the executive level on emails and feel I've always been treated fairly by the company. They haven't paid for every bill that came to them but I've always known WHY the bill was excluded from payment and their policy is clear on what is or is not covered so I've never been surprised by what was paid. They are sometimes slow with payments but I believe they are working hard to correct that issue.
5

out of 5

POSTED: | BY: DHanby

Amazing service with fast procesing!!!!

I had a problem with both of my mini doxies! I took them to the vets and each time they reimbursed me nearly half of the expenses!I am so grateful that they exist because it gives me relief!
5

out of 5

POSTED: | BY: Tracey Cota

Pets Best Health Insurance IS the best!

I did a lot of research before I chose Pets Best. I actually had a free policy through a competitor, and my dog got ill right out of the shelter with a bacterial upper respiratory infection, and they found a reason not to pay the bill. So, when buying a policy, they were NOT on my list. I searched through tons of reviews and kept seeing lots of good things about Pets Best. So, I tried it, and I added the wellness plan. Willow just had an office visit with shots, and I went online and submitted my claim and had my refund in about 10 days! It was SO easy! I really appreciated it, and I felt like I made a good choice in Pets Best. Thank you, Pets Best for a good 'first time' experience! I look forward to a long relationship with your 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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