Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 7,161

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.5
  • 3.3
  • 4.5
  • Count
  • 11
  • 112
  • 7,161

Updated: January 26, 2024

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

VETERINARIAN: ACCES SPECIALTY ANIMAL HOSPITAL PALM BEACH COUNTY

POSTED: | BY: SHELLY PIERCY

THE WORST EVER!!! BEWARE!!! DO NOT GO HERE!!

WHILE MY DOG WAS IN THEIR CARE THEY BROKE MY DOGS TAIL AT BASE OF SPINE, DISCHARGED HER BACK TO ME INJURED AND DID NOT TELL ME! SHE COULD NOT USE THE BATHROOM AND WAS FALLING OVER, RUSHED HER TO MY VET AND THEY CONFIRMED THE INJURY AND HAD TO DO SURGERY TO SAVE HER! IVE TRIED SPEAKING WITH THEM ABOUT THEIR NEGLIGENCE AND MALPRACTICE AND THEY WILL NOT SPEAK WITH ME OR CALL BACK!!! DO NOT GO TO THIS PLACE!!! THEY HAVE COST ME ALOT OF MONEY AND SADNESS!!!!! BEWARE!!!!!!!!!!!!!!!!!!!
1

out of 5

POSTED: | BY: Alexandra Davis

Worst Insurance Experience in my Life

Pets Best is the absolute worst insurance company I have ever dealt with. For forty years, I have had positive experiences with Blue Cross, AAA, Nationwide and more companies for every aspect of my life. Pets Best stands out as the most unscrupulous entity I have ever dealt with. They delay processing of every single claim. Then they attempt to deny every single claim, causing our busy Veterinarian practice to have to contact them to debate why certain tests and procedures were completely necessary for the well being of our beloved pets.. Pets Best phone staff are not well informed, their computer system is outdated and they are unethical with their dealings. One operator told me that because one of our pets went through an illness, she was red flagged for dismissal of her policy if our payment was ever even one date late as they wanted to "get rid of her". We are preparing a complaint for the State Insurance Commissioner. We go to the best Veterinarian practice in our County. They have thousands of clients as they have numerous specialists and cutting edge facilities. Their staff tells us that all of their clients who have Pets Best have the same complaints and that clients are happy with other carriers- especially Nationwide. We have signed up our younger Pets with other insurance companies and they are vastly better in every area.
5

out of 5

POSTED: | BY: Elizabeth Sanger

Claims and Cost

I was very skeptical about buying pet insurance but went for it when I rescued my dog. She was approx 1 year at the time of rescue and discovered quickly she had severe anxiety issues. She is also a very energetic dog, loves to run and play. She has required surgery on both hind legs to repair cruciate ligament tears (human version is ACL). I had purchased the injury/illness policy with a $500 deductible and 90% coverage (thankfully!!) She needs daily anxiety medications as well as monthly injections to help keep her joints healthy. Each surgery was close to $10k. Both surgery's and all her prescription medications are covered at 90% without question. I can honestly say, this was the best pet related decision I have ever made. The policy prices are reasonable and I have never had any claim questioned or denied. I don't find the general coverage policy worth the money, if you're really diligent about submitting the claims it might wash out at the end of the year but the injury/illness policy is a must have in your back pocket!
5

out of 5

POSTED: | BY: Sharon Gurevitch

Lives up to its name

Pets Best, for me, has been the best insurance I've found for my dogs. Submitting claims has been quick and easy. Customer Service has been extremely helpful. I get to talk to a real human and they are so kind and patient. They take the time to find the right answers and even call back when necessary. Reimbursements take time, but they update me on the process. I never felt ignored. Having a 16 yr old in kidney failure was hard and having to say goodbye was harder, so when I needed time to put through his last claims, I was treated with kindness. I can't say enough about Pets Best. They truly are the best.
3

out of 5

POSTED: | BY: Kali Kozlousky

It is helpful..... i think

I have a wellness plan along with illness and injury coverage. So I am supposed to be reimbursed for 90% of illness and injury after deductible and 100% up to an amount I picked at the beginning of the policy. I have been to two vet visits for ear infections and one different location vet visit for worms. I have sent in all the detailed receipts I received from vet offices but the insurance company has asked for more information all 3 times and says they have reached out to the vet offices but the vet offices do not respond back. So essentially I haven't been reimbursed for anything other than wellness & prevention. I should probably check into other companies.

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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