Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,234

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: Sarah

My claims get processed pretty quickly

My claims get processed pretty quickly. I do wish food and supplements that a veterinarian had prescribed were covered though.
5

out of 5

VETERINARIAN: City Way Animal Clinics - Irvington

POSTED: | BY: Shawn Heyse

Truly the Best

I wasn't a policy holder for very long, but I must say that I was quite impressed with Pets Best when it came down to claims, explanation of benefits, and being every bit what I would expect an insurance company to be. My dog became ill suddenly - it was barely seven days time from the noticing she wasn't eating much to holding her while she drew her last breath. I was devastated - we didn't know what was wrong with her and her health declined so rapidly that we couldn't even run the testing needed to determine the problem without killing her…that feeling of utter despair of seeing her in need and not knowing what was wrong coupled with not being able to do anything about it is something I hope no one ever has to experience. So as one could imagine, I wasn't looking forward to having to deal with the claims and handling the insurance, but Pet's Best made it hassle-free. I used the app and uploaded my documents for four claims in less than an hour without having to speak or explain anything to aynone. I received an email confirmation for each one when it was received the next day, and was notified again a few days later by a message confirming that Pet's Best had all that they needed from me to proceed. The piece of mind this provided me was priceless and I really appreciated the communication with them - straight forward, not complicated.or time consuming - I even received an email within 5-6 days apologizing for the time it was taking to process the four claims, which was helpful again in managing the stress of having drained our savings in our futile attempt to help our friend. I had even forgotten to cancel the policy and didn't realize it until I had been charged for the third month, and all it took was a 45 second conversation with an Pet's Best customer service rep to have my policy cancelled, my payment refunded, and the previous month's payment pro-rated and also returned. It has been two weeks today, and I just received the email this morning that my claims are finished and telling me when I should receive my payment. Thank you for making it easy to be a customer! When the time is right and an addition to the family is made, I will be using Pet's Best again."
5

out of 5

POSTED: | BY: Shari Fogolini

Love Pet's Best!

Pet's Best has always provided coverage for any illnesses that our dog, Scout has had. We've had this insurance since he was 5 years old, and he is now 11. Of course the premiums have increased, but Pet's Best has not let us down. We did not use the insurance much until recently Scout was diagnosed with diabetes, and they have covered everything, even eye care to prevent his cataracts from blinding him.
5

out of 5

POSTED: | BY: Kayla Culleton

Affordable, quality based services

They have been affordable, provided quality services and have been easy to work with.
2

out of 5

POSTED: | BY: Gabrielle Nemes

Very slow to process claims and…

Very slow to process claims and extremely expensive. We've been customers of Pets Best since 2019. Rates continue to increase at about 30% per year for each pet. A 7-year golden retriever now costs over $700/year to insure after a $700 deductible. $58/month. Add in a second pup and count on at least $100/month in pet insurance costs.

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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