Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,061

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: Joanna Castillo

Very easy to submit a claim and quickly…

Very easy to submit a claim and quickly processed. I am glad I switched insurance for my pup
1

out of 5

POSTED: | BY: Karen Landstedt

Claim took weeks to process

Claim took weeks to process. And… I called before surgery to go through all classifications and charges and was given the ok. However, when the claim was submitted there was over $600 that was deemed not covered. This was devastating to me financially. I will switch providers as soon as possible.
1

out of 5

POSTED: | BY: Sue Olson

Absolute failure on all levels - DO NOT use this insurance company

I wish I had contacted the BBB and read their reviews before signing up with Pets Best. They are awful. I have had one simple claim in the past year since starting this policy. I was told when I signed up that claims are processed within 15 days. After 30 days for this claim, I started calling and was told that it is actually 42 days. No one could tell me if/when my claim would be processed. Every phone call to customer service involved 30 minutes + on hold. Customer service reps know nothing and are not helpful whatsoever. After repeated phone calls with no resolution and no end in sight, I opened a case with the BBB. Several days after that I received a letter from Pets Best letting me know my rates are increasing 45% at renewal next month. When I signed up I was told to set up direct deposit so claims would get paid out in 1-2 days. I did that, yet my payment took a week. I cancelled my policy the day my reimbursement hit my checking account. This is a horrible company and I am shocked they are still in business. Do not use this company! I will be sure to spread the word.
5

out of 5

POSTED: | BY: Susan Menefee

My Mabeline was injured and without…

My Mabeline was injured and without this insurance I don't know how I would have paid. Reimbursement was as quick as 7 days and Mabeline is as good as new. Knowing that I had this insurance was a HUGE relief to me.
5

out of 5

POSTED: | BY: Bob

Fast reimbursement on pet medical expenses

Love the fact that I can submit my pet's vet bill through the online app. Outstanding service by Pets Best! Fast turnaround from receiving to processing a claim and with direct deposit it is much quicker than waiting for a live check to be mailed. I recommend Pets Best because they genuinely care about pets' needs.

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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