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.
1

out of 5

POSTED: | BY: John Ragsdale

Save your money

Our experience with Pets Best Pet Insurance was deeply disappointing and a complete waste of money. Had we simply put the money we paid in premiums into a savings account, we could have covered our pet's entire procedure out of pocket and still come out ahead. Instead, we found ourselves paying for the insurance, paying for the procedure out of pocket, and then receiving only about 33% of the costs back. This was utterly disheartening. The high deductibles, numerous exclusions, and unexpected co-pays contributed to an overall poor experience. In hindsight, we would have spent a third of what we did over the past year by simply saving the money we paid to the insurance company. Pets Best Pet Insurance fell far short of our expectations, and we cannot recommend their services.
5

out of 5

POSTED: | BY: Bob C

Pets Best - Helpful and Fast

Pets Best and its representatives did a wonderful job of answering important questions and in responding to my claim when my cat needed surgery. I appreciate their service so much and will absolutely stay with them for all of my pets in the future.
5

out of 5

POSTED: | BY: Iva Mihaylova

Thank you for saving us in such a stressful time!!

We have a cat who tends to be more pukey and for about two days straight we thought he was trying to cough up a hairball, well when we realized that he started gagging more and more frequently with nothing coming out, we got very worried. We thought he had swallowed something he shouldn't have and something may have been stuck. Given we already had lost time, and our vet couldn't take him for another two days, we went to the emergency vet. Long story short and $5300 later... we were so financially stressed and worried, PetsBest covered EXACTLY what they had promised per our policy with no questions asked and claims process was so easy. WE ARE SO THANKFUL to Pets Best!!
5

out of 5

POSTED: | BY: Iva Mihaylova

So Incredibly Thankful for Pets Best

We have a cat who tends to be more pukey and for about two days straight we thought he was trying to cough up a hairball, well when we realized that he started gagging more and more frequently with nothing coming out, we got very worried. We thought he had swallowed something he shouldn't have and something may have been stuck. Given we already had lost time, and our vet couldn't take him for another two days, we went to the emergency vet. Long story short and $5300 later... we were so financially stressed and worried, PetsBest covered EXACTLY what they had promised per our policy with no questions asked and claims process was so easy. WE ARE SO THANKFUL to Pets Best!!
5

out of 5

POSTED: | BY: Michelle N

Grateful Pets Best exists!

My boy Blue has been suffering with GI issues for 2 years now. Because of Pets Best superb coverage, our wet was able to perform the tests needed to find the cause of the issues. I am so grateful to Pets Best! Bonus, submitting a claim is easy. I experienced the most seamless transactions, no back and forth or delays.

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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