Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,500

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: Melissa Graedel

Pet's Best truly is the BEST!

I have used Pet's Best for years, but rarely every filed a claim. With Murphy developing cancer, I had concern about receiving payments timely or having some items covered. They have approved everything, and are ALWAYS faster than their estimated time to pay. When I do have questions, the staff on the end of the line is always very compassionate and helpful. I have recommended Pet's Best to all of my friends with furry children over the years!
5

out of 5

VETERINARIAN: VCA Animal Medical Center

POSTED: | BY: Giselle Guillaume

Ease of filing claims with Pets Best

Pets Best offers excellent pet insurance coverage and service. To file claims through their app is quick, easy and simple. They keep you posted on your claim status and the refunds are done promptly. They offer excellent customer service and support as well.
5

out of 5

POSTED: | BY: Michelle West

Senior Dog

As our dog has aged (12) his issues seem harder for me to assign diagnoses on the claim forms. Pets Best has contacted my vet for clarification prior to processing the claim. The process is usually swift and EOB clear.
5

out of 5

VETERINARIAN: Bond Vet

POSTED: | BY: Connie Tr

So glad I purchased PetsBest insurance for my dog.

I rescued my dog as a senior doggie and am so glad I signed up for Pets Best for her vet insurance right after adopting her. I bought the $1,000 deductible with unlimited coverage for all accidental and illness. When submitting claims to Pets Best, I have been proactive about reaching out to my pet's medical care provider to receive a copy myself and to upload my pet's medical documentation (SOAP notes, discharge instructions etc) invoices, proof of payment, etc to the Pets Best portal. Doing all this has allowed me to get my claims processed faster and sooner than the reported expected wait time. It really has taken off the stress of financial cost when it comes to getting my dog the care she needs, especially when she recently got diagnosed with cancer."
2

out of 5

POSTED: | BY: Hawaii_Jack

Look elsewhere, 3 years a client and leaving.

I have used them since the arrival of my puppy and have kept them for 3 years. The first 2 years, they were great. He has issues with bloody diarrhea and vomiting and they covered about 50% which was about $2.5G (I had the most expensive coverage). This last year, they have not reimbursed me for much. When I appealed, they stated that because my dog had an ear infection - all my claims are related to this pre-existing condition. The same condition he had the prior 2 years when they covered a good portion of his vet bills. I knew something was up when they periodically kept requesting his complete medical history even though he was their client since day one and they have copies of all appointment notes. Save the $100/month cost and find another insurer

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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