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: Kristen Giadone

Late claim submission

The fact that I was able to submit claims after two years is incredible. This insurance has been so good to me and I haven’t ever had any issues.
5

out of 5

VETERINARIAN: BluePearl Pet Hospital

POSTED: | BY: Katherine Johns

Simple claims process

"I have had Pets Best insurance on two pets. This was the first time I have had to file a claim. I appreciated the ease of the online claims process and the multiple emails with the claim status. Having this coverage allowed me to do what was needed to save my fur babies life. I am very satisfied with the coverage and service I received from Pets Best.
5

out of 5

POSTED: | BY: Liz Cook

Pets Best handles my claims seamlessly

Pets Best handles my claims seamlessly. Going with Pets Best for my cat insurance was one of the best decisions I’ve ever made.
5

out of 5

POSTED: | BY: Jenna DeMarco

Transparent, fast for the big things, good communication

I have had Pets Best for a little over two years now after I rescued my pup. Overall, I have found them to be entirely transparent on his coverage, what the decision on my claims are and why, as well as any updates and changes along the way. I will say, at times, with my smaller claims (he receives monthly allergy shots during the warmer months), they do not process them super quickly but they send status updates and do get to it. The one time I had to use them in a more emergency situation where he needed surgery, they responded to the claim very quickly and were wonderful to work with. They direct deposit closed claims right to my bank account and I get communication along the way as they do. I have recommended them to friends who have also had positive experiences. Including one who had a major, several thousand dollar surgery, and they had reimbursements within three business days.
1

out of 5

POSTED: | BY: Amber Guzman

Not honest

Don’t put your card down for auto premium payments. They double charged me for October as soon at I added my card then refuse to refund saying I missed a previous payment when I did not. I have my bank statements and they cannot show proof where one was missed. They say they look into it but never got back to me. They always raise the premiums $20-$40 per month each year. They pick and choose what qualifies. I feel they are a very dishonest company

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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