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

VETERINARIAN: The Animal Hospital at Reems Creek

POSTED: | BY: John Horrocks

Lenny's bladder stones

When we purchased Pets Best insurance for our adopted dog, Lenny, we hope we wouldn't have to use it for anything other than routine care. When he was diagnosed with bladder stones, the x-rays and surgery proved quite costly. Thankfully, Pet's Best system made it easy to file claims and they paid promptly. Glad we did it!
1

out of 5

VETERINARIAN: Felix&Fido - Issaquah Veterinary Clinic

POSTED: | BY: Craig Martin

Better to not have insurance

They hide everything in the fine print. Their accident and illness plan doesn’t cover the emergency exam portion of your emergency visit which is often half of the price of taking your pet to an emergency vet. They also only pay $150 towards spay/neuter and won’t cover anything that is labeled as pre-op such as medications or the pre-op visit, even though they advertise covering spay/neuter. We paid $71/month for 9 months with a new puppy (lots of exams, vaccines, office visits, neuter, and emergency visits) and got reimbursed a whopping $200 total in that time because nothing is covered or even counts toward your deductible. It makes more sense to not have this insurance.
5

out of 5

POSTED: | BY: linda

We had a very sick dog for 8 years

We had a very sick dog for 8 years. PetsBest was a blessing to work with. Customer service was always polite and helpful. They were very goid to pay claims quickly and when they were busy they would always send an email apology for taking a bit longer than usual. When our dog crossed over the Rainbow Bridge they not only paid the claim quickly but also canceled our insurance. I so appreciated that as I was dreading to make that call. Thank you PetsBest for being thete with us every step of the way. She could have never gotten the level of care we were able to give her if it were not for PetsBest.
5

out of 5

VETERINARIAN: Veterinary Center of Morris County

POSTED: | BY: Hayley McLean

10/10 recommend

I am very thankful for Pets Best. They are so quick with receiving claims and I have had no issues with getting things claimed. Very fast and easy process. My dog had an unexpected mass on his leg this year, which required multiple biopsies and a MRI to diagnose. I was thankful Pets Best was so quick with their turn around time to help with the financial burden.
4

out of 5

POSTED: | BY: Kelly Kenion

Very easy!

"Easy to file a claim, and we were kept in the loop the entire process. Actually paid more than I anticipated!"

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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