Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,058

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: Katia Lara

Happy toy poodle mom

I have to admit that the claims have been processed faster than in the past. I am happy with this pet insurance.
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5

out of 5

POSTED: | BY: JL

Best pet insurance out there

I've had Pets Best since my dog was a puppy and it's always a pleasant experience. I did extensive research before I went with them and I've been very happy over the years (turns out a couple other influencers on Instagram use them as well and speak positively about them and not as a paid ad). Monthly payments are reasonable and they pay you back in a reasonable amount of time. The app is easy to use. Would highly recommend.
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5

out of 5

POSTED: | BY: Gina Moon

Highly recommend pet insurance and Pets Best!

This is the first time we have had insurance for one of our dogs. We chose Pets Best simply because our parents also use them. They were easy to set up a policy with and have always been kind and helpful when I've called in. Our puppy unfortunately fell ill and passed away at 9 months. Thank heavens we had insurance. Pets Best paid out on the policy as promised. The reimbursement was quick and they communicated throughout the process. We just got another puppy and the first thing we did was get a policy with Pets Best. We highly recommend them!!!!
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1

out of 5

POSTED: | BY: Thomas Logan

Slow to pay claims

Took almost 6 weeks for claim to be processed and paid. My dog had surgery with a hefty bill that I needed to pay for out of pocket as Pets Best doesn't have a direct pay arrangement with my provider. It took 39 days to be reimbursed which was unacceptable in my opinion. It was a straightforward claim. I pay my premiums religiously on time (including the 20-30% annual increases), but when it came to getting my claim reimbursed, Pets Best took their time.
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3

out of 5

POSTED: | BY: Cathy Mayfield Posey

My annual visit was not 365 days past…

My annual visit was not 365 days past the prior yr visit but like 360 and it was not covered. This is unacceptable and I plan on canceling.
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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 Pet Insurance detail
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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