Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,232

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: Sandy

Pets Best Is Wonderful

I have been very happy with Pets Best for the last 3 years. They were able to cover my 10 year old Akita for a low premium (many plans will not accept a senior pet) and I never had any trouble getting timely reimbursements. I now have 2 Akita puppies under the plan and am quite thankful as I am having to bring both of them to the vet today.
5

out of 5

POSTED: | BY: Carolyn Maxwell

They are the best!

Pets Best has paid two claims for my dog. One was an emergency and they paid over $3000. The other was minor but again no problem with the coverage. In comparing plans, they seem to be the most comprehensive.
5

out of 5

POSTED: | BY: Sarah

No complaints....happy so far

We have 4 pets insured through Pets Best (since March). We recently put in a claim for our cat. I was afraid that Pets Best would not pay a claim because there was no definitive diagnosis after I submitted the first claim. Lots of tests were done and our bill was over $600. The vet wasn't sure if she had a bladder infection or possibly a bladder tumor (ultrasound showed strange findings). We knew we would continue to have follow up appts with our vet. We submitted our claim and Pets Best covered it. They did say that in order for them to accept another claim, they needed a definitive diagnosis. I appreciate that they still paid the first claim. I can understand where they are coming from. Needless to say, we did get a diagnosis. It ended up being an infection and they did pay the second claim as well. The only thing I never understood is that the vet gave our cat an injection for the infection and Pets Best didn't cover it. It was only $20.00 and I'm not sure why it wasn't covered...everything else was.
5

out of 5

POSTED: | BY: Ben Gates

Better Than Expected

I have had Pets Best Insurance for a while now. I have my two dogs insured through them. One of the dogs has had a number of health issues. The most recent issue resulted in almost 3K in vet bills. Pets Best has always been very good, but I wasn't sure what the outcome of this last claim would be. Well it was even better than expected. While they paid 80% of all the covered charges, I was also not charged a deductable, as they considered this illness a continueing illness from a previous claim. The good thing about them, is that once you pay the per illness deductible, all further claims on that same illiness or injury do not require you to pay another decuctible no matter how many times you have to have your animal treated. They are the best.
2

out of 5

POSTED: | BY: Anne S

Poor Experience

We've had Pets Best for over a year now and they are extremely difficult to work with. They're customer service is terrible (don't return phone calls, can't explain the process well, etc) and they claim everything is preexisting. We are currently looking for other another company to insure our cats.

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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