Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,181

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: Prudence Brown

Wellness claims have excellent turn around

Excellent turn around on wellness claims. Would like a summary of claims processed and remaining balance.
5

out of 5

POSTED: | BY: Debi Naccarto

Best decision I ever made for my dog

Best decision I ever made for my dog. Affordable. Easy to submit claims. Quick turnaround. Wide coverage. Thank you.
1

out of 5

POSTED: | BY: Laura Heppell

Long wait times and opaque coverage

The claims take months and representatives are unhelpful with explaining the policies. I called to ask if a service was covered and they just said "It's what's in the benefits guide" when I was asking for clarification on what's in the benefits because I read it and didn't understand it. Terrible coverage and really not worth it. Despite close to $1,000 of vet expenses this year plus paying over $300 for this insurance, I barely met the deductible and have only received like $40 in reimbursement. So I have spent more money on the insurance than it is worth. If I knew this I would've shopped around longer for other insurances but it's too late to switch at this point because now my pet has "pre-existing conditions".
5

out of 5

VETERINARIAN:

POSTED: | BY: Mary Kriss

A Lifesaver!

I cannot praise this company enough. I never imagined having two puppies with major issues arise in their first year of life. One of them has an autoimmune issue that has resulted in several ER and specialist visits. Pets Best covered everything as promised. The other puppy fractured both of her front legs, then managed to somehow rebreak one of them. The one that rebroke turned into complication after complication. Pets Best has covered more than I ever imagined. Surgery after surgery, ER visits and follow ups with the specialist and rehab vet. Medications have also been covered. I'm beyond grateful for Pets Best for taking the financial stress out of caring for these little dogs that have had so many problems. The claims are processed in a timely manner always within the time frame promised at the time the claim is submitted. I couldn't be happier with our experiences so far. I recommend Pets Best to everyone that has a pet.
5

out of 5

POSTED: | BY: Trish Lorino

Never Had an Issue with Pets Best

They are a good, responsive group. I had a few instances of working with a customer service agent on the phone and they quickly resolved my issue. Claim filing is easy, the benefits are explained and reimbursement is quick. Only con is that they are expensive, but I did the top tier plan, which is worth it, especially if you have a senior dog.

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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