Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,839

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: Christine

Pets Best is saving me

So glad I chose them. They are quick to review and reimburse and I would be in serious financial turmoil if it weren't for their illness coverage helping me pay for emergency and treatment costs for my dog. Thank you sooo much!!
5

out of 5

POSTED: | BY: Pamela LeCorre

Hassle free claims service - prompt reimbursement!

After cancelling VPI pet insurance, Pets Best was a breath of fresh air! Filing VPI's claim forms and figuring out what they covered and didnt cover (emphasis on "didn't) was SO stressful! Going through an illness or traumatic injury with your beloved pet is stressful enough. I spent too much time on the phone with VPI representatives and trying to decipher the reimbursement statements - time better spent tending to my sick or injured pet. Don't be fooled just because VPI is the first company to come up when you search for pet insurance. Their policy is confusing and they pay according to an outdated payment schedule. Stay away! Switching to Pets Best was the best decision I ever made. No hassle, no worries, easy claim forms and quick direct deposit (if you choose) for reimbursement. I spent too many sleepless nights worrying about vet bills with VPI. With Pets Best, me and my furry children sleep like babies!!!!!
5

out of 5

POSTED: | BY: Sharlene

Happy thus far

I have had a couple of claims with my dogs (I have 3 samoyeds) and some have been denied for obvious reasons. I understand this is a business also and pre existing issues are not considered. I just recently had my youngest samoyed who is 4 years old diagnosed with Addison's disease which is an adrenel gland disorder. It took them about 5 days for review and processing and the reimbursement was deposited with 2-3 days after that. This is a lifetime disease but not as costly as other diseases so I know that they will pay for any issues that may arise for this claim. I was relieved to know that the insurance would be there for me when needed.
5

out of 5

POSTED: | BY: Dave Caldow

Jenny and Rosie think your the Greatest

I signed up for Pets Best about 4 years ago and wouldn't you know about three weeks later Rosie had a major immune disorder occur.I was convinced that Pets Best would jump to a conclusion that this was an undisclosed pre-existing condition and I would be in for a prolonged battle. I couldn't have been more wrong and in fact my claim was processed within 5 days.Since then, unfortunately for Jenny and Rosie they have had two more major issues and again PetsBest have stepped up to the plate, promptly and efficiently. Obviously their is nothing I would like more than NOT to have to make claims, but after incurring these large costs ,I thank my lucky stars that great, quality insurance outfits like PetsBest exist.
1

out of 5

POSTED: | BY: Stewart Carden

Pet Owner's Nightmare

I became a Pet's Best policy holder in November of 2011. At the time my 1 year and 3 month old American Bulldog had a torn ligament in his knee. The Vet told us that surgery would be the best for my dog because he was concerned about the knee becoming a problem for my dog in his later years. The surgery was done at the same time in November that our policy took effect. The insurance did not cover this surgery and we where fully aware of that. At Christmas (over a full month and a half later) our bulldog started limping on his front left paw, so we took him in on 12/26/2011. The vet did not seem very concerned and treated the dog for an infection. His next check up was in a week on 1/2/2012. We came in for the check up and were floored when the vet told us that they thought J-Beau had cancer. We asked the vet for his opinion on our best options. He told us that there is a cancer specialist in Knoxville, Tenn. that could diagnose and maybe give us a selection of treatment options. So we drove from Peachtree City, Georgia (25 miles south of Atlanta) to Knoxville, Tennessee that very day. The Vet in Knoxville made the diagnoses of bone sarcoma after doing a biopsy. The vet also said that this seemed to be a very aggressive tumor in J-Beau's shoulder. The specialist also told us that amputation was J-Beau's best option for survival. We scheduled the earliest appointment possible for J-Beau's amputation. A few weeks later J-Beau started chemotherapy. Now in the mid

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. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

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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