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.
1

out of 5

POSTED: | BY: Tonya Fritsch

Pets Best Thee Worst

I wished I had done more research before I decided to go with this company. It seems that they are The Best at denying claims. God forbid that your dog as diarrhea at any point in their life. As Medication, Nerves, Surgeries, Bad Food can cause it. To them its a pre-existing condition. My poor baby had a Foreign body surgery and went in for her first follow up. And hunched posture was mentioned in that visit. Well having your stomach cut open isn't very comfortable to say the least. On down the road a bit, my baby had an FCE which is the acute death of part of the spinal cord, caused by an embolus of fibrocartilaginous material. So pretty much a stroke. Pest Best denied the claim because of the Hunched Posture noted at her follow up visit from her Foreign Body Surgery!! So they basically said that her stroke was pre-existing. Hunched posture is a pre existing condition to a stroke?! I shouldn't have had to appeal that claim, as hunched posture has nothing to do with a Neurological issue. SO to save you time and the headache, Stay Away don't think twice. I've already done the home work for you, the hard way! You're Welcome!
5

out of 5

POSTED: | BY: Anne Moody

Easy claim process!

I have had multiple claims to submit recently and the process has been so simple! My emergency care visits were reimbursed very quickly which has eased a lot of burden. I’m so thankful for the prompt processing and great customer service. The app is great!
2

out of 5

POSTED: | BY: Steven Levi

Very Slow Claim Processing

The time that it takes to be reimbursed is unacceptable and inappropriate. It has been 30 days and I still have not received the payments I am owed. When you look online for status it only says "processing." After 2 weeks you receive an email apologizing for the delay but with no mention of when you will get paid. It does not seem right that they are unable to process basic claims in a reasonable amount of time. Very disappointing.
1

out of 5

POSTED: | BY: Adam Goguen

If I could leave a 0 star I would

If I could leave a 0 star I would. I was a customer for 2+ years. I got the insurance as soon as I got my dog and had no issues for 2 years. They then canceled his policy without notice and my dog was hit by a car and all they could say to me was “sorry nothing we do can change this” they offered me no options to resolve the previous issues on the policy and now his rates have doubled due to his age. This company does not care about their customers or making sure they’re taken care of.
2

out of 5

POSTED: | BY: Julia

I don’t recommend PetsBest

I wouldn’t recommend PetsBest. I changed my name and submitted the required documentation to update my name on my account buy it took six months for them to take care of it. A couple of months later my puppy got sick and I submitted a claim which PetsBest took 28 days to process and I’m still waiting for payment. I should have gone with the pet insurance company my friend recommended, Healthy Paws, instead of PetsBest. My friend’s claims get processed within a week along with payment.

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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