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.
2

out of 5

POSTED: | BY: Lisa Bolton

You send in a claim and it takes…

You send in a claim and it takes forever and customer service just apologize for it. It can take 42 days seriously? I pay every month and this unexceptionable.
5

out of 5

VETERINARIAN: Waipahu Waikele Pet Hospital

POSTED: | BY: Dee Miya

Always peace of mind

My dog had a mass on his lip that was getting bigger and not going away. Regardless of the fact that I have pet insurance I only reserve it for those very necessary times. He went in for a procedure to have the mass removed and thankfully it was benign. But the peace of mind that brought me to know this was priceless and without Pets Best it would not have been possible. The procedure costed over $3000 and I was already anticipating both my deductible and 10% copay. I filed the claim and within a week it was reviewed and approved for the expected amount. I just got my check in the mail and it was such a quick process. I had switched from another pet insurance because they did not cover office visits nor did they use that cost towards my deductible. Pets Best includes the office visit fee as a covered expense and towards your deductible. During the pandemic there was a delay in one of the claims I filed but it was expected as change in the times and increase in pet ownership clogged the system. Since then however I have never had any problems filing claims or receiving my payment. I’ll never change again.
1

out of 5

POSTED: | BY: Richard Johnson

Terrible

Terrible. Over month since I filed a claim and it still isn't processed. Customer service just gives the same generic apology via e-mail every week.
1

out of 5

POSTED: | BY: Noneof Urbiznesss

Worst Company Ever

Farmers Insurance is great. Pet Best is THE WORST. Nothing but incompetence across the board
1

out of 5

POSTED: | BY: Viviana Gutierrez

Do not get!!!

My dog was a healthy dog when I decided to purchase insurance for him due to his age. Weirdly enough, one month exactly after purchasing the insurance I took him to the vet because he was having excessive thirst and urination and he was in diabetic keto acidosis and he almost passed away. After successfully treating him and getting over the hump of having a dog with diabetes they decided that his claim wasn’t valid and that it wasn’t covered under his insurance. To be honest completely unacceptable. I have told and will continue to tell all of my friends about my experience with this company. And I already heard a couple of bad reviews from other people close to me. DO NOT GET! You’re better off paying everything yourself.

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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