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: byron

Very slow in paying claims

The whole purpose for insurance is that you won't be put into a financial bind when tragedy strikes. We had to front $5,000 for a surgery. We are now three weeks post-op and our claim has yet to be processed. I called them two weeks post-op and all they did was apologize for the delay. Apologies do not pay the bills.
5

out of 5

POSTED: | BY: Jonathan Pattishall

4 years in, nothing but good experiences

I've had insurance for my dog through Pets Best for about 4 years now, and I have only good things to say. About 1.5 years after taking out a policy on my dog, she started developing mast cell tumors. She had to have two tumors surgically removed and an additional invasive stomach surgery to check on a severe digestive issue, all within about 5 months of each other. The vet bills were hefty, but Pets Best covered their share of 90% of the bills with no fuss. My dog continues to receive quarterly check-ins with a vet oncologist, and Pets Best rightly counts those expenses towards my deductible, also with no fuss. Gives me peace of mind. Unless something dramatic changes, I'll be keeping Pets Best insurance for my dog, and using them for future pet insurance policies.
5

out of 5

POSTED: | BY: Wanda Anderson

Simply THE BEST!!!

For the second time is 10 months, my little dog is ‘down’ with IVDD. Pet’s Best was there for us with his previous neuro surgery and here with us again. I’m so thankful I selected Pet’s Best to insure my boy……they are a Godsend!
1

out of 5

POSTED: | BY: Jason Roy

Petsbest is a SCAM!

This company here called Petsbest is a SCAM. They will take your money, and when you submit a claim they WILL NOT even think about covering a single cent of it. Nothing. They then will give you a bologna excuse as to why they covered nothing and it won’t even match what their own policy says. Do not buy their products!!! They are a Scam; instead run for the hills!
1

out of 5

POSTED: | BY: John Greiffendorf

Stay away, run

Very first claim, was sent an email after an extended period of time, stating that my veterinarian had not provided the past one years worth of records. Before I could respond, within two or three days, I received an email with a denial on my claim Tried contacting customer service, and actually speaking with a human. Was then told that I needed to go secure all of my prior records for my pet from other veterinarians and scan and/or email to PetsBest. Seems like all the work is on the customer, the insurance company, simply taking your premiums and making random denials. I’ll jump through hoops this time, but if I get denial on something clearly covered. I’ll drop this insurance company like a bad habit. .

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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