Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,990

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: colochoclab

A sea of red tape

We decided on Pets Beast after a recommendation by our vet. Our policy was $55 a month for our 5 year old chocolate Labrador, Hershey. Hershey had previously tore his CCL and we had it fixed to the tune of $4k and we were worried he would tear this other one. Sure enough, 1 year later he did. We had the insurance for a year also and they did cover his inital diagnostic test, but did not cover the CCL surgery. Why? Because they had paid for the diagnostic, anything relating to that condition is now "pre-existing". Shop before you buy.
5

out of 5

POSTED: | BY: Dave G.

The insurance company that ACTUALLY cares.

We read the reviews, looked at the services provided and decided to go with Pets Best. We are so glad we did. Not that any pet parent wants to take their child to the doctor but surprises do happen and when those unfortunate surprises do happen... you should absolutely be prepared with Pets Best. When our Pomeranian started having seizures last Christmas we were obviously concerned. We took him in and he was ultimately diagnosed with an inoperable brain tumor. PB paid a large chunk of the diagnosis costs and the subsequent medications needed to control the seizures. When the time came, they covered $100.00 toward cremation. We have 2 other dogs, 1 has a preexisting eye condition (which is not covered), and the other is young and likes to get into things. We have them both covered because you simply never know. We highly recommend Pets Best.
5

out of 5

POSTED: | BY: Charlotte

Highest Praise

I have only the highest praise for this company. They covered my 8-year old adopted golden retriever. I never once had to question the coverage and the reimbursements were generous. No comparison with previous insurance coverage.
5

out of 5

POSTED: | BY: monica ousley

Fantastic!!

We recently signed up to insure our new puppy. We included the Wellness plan to our basic policy,and within 5 days( we were told it could take 10-14)of filing our $60.00 claim, we received the full compensation in the mail!! So far so good....
5

out of 5

POSTED: | BY: B. Manriquez

Best coverage ever

I was extremely pleased with Pets Best insurance from day one. I adopted my beloved Molly when she was 7 years old & insured her within the first 6 months to make sure she was still eligible. Because of her age, the "accident & illness" coverage was around $40 per month. For the last 3 years, I barely used it, but in the last 4 months I was certainly glad I had it. She was diagnosed with a rare form of cancer, had her spleen removed, went blind as a result of the cancer & went on oral chemotherapy drugs. Unfortunately, we lost the battle in November 2009 & she had to be put to sleep. Her surgery alone cost $4000 out of pocket & I got reimbursed for 80% of that! Even her chemo drugs (which I had to buy at Walgreens) was covered at 80%. Needless to say, I well surpassed the premium costs for all 3 1/2 years of premium costs in my reimbursements. Best investment I ever made! Their personal touch at her passing was very nice too. They sent an email when I cancelled the policy with their condolences & about 2 weeks following I received a very nice sympathy card with a message that a donation had been made in her memory to a humane society charity. When I get another dog, I will definitely use Pets Best again.

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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