Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,763

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: Carrie Turner

Great experience!

I have had my policy for almost a year and unfortunately had to file a claim for my dog. He was injured and also had an infection on top of that. I had to call a few times to ask questions and they were very helpful. I filed my first 3 claims on March 8th and I rcvd word on March 20th, that all 3 claims were approved. I feel like this was a quick process compared to some of the stories I have heard about other insurance companies. The helpfullness of the reps and the speediness of the process helped in this very stress situation.
5

out of 5

POSTED: | BY: Landy

The company you go through matters. Thank you Pets Best.

I cannot express enough how grateful I am for Pets Best pet insurance and how they truly delivered on their promise when we needed them the most. Recently, our puppy, Sydney, had an unexpected health emergency that required surgery. As you can imagine, the stress of the situation was overwhelming, but knowing that we had Pets Best by our side brought incredible peace of mind. From the moment we filed our claim, the entire process was seamless and stress-free. The customer service team was not only friendly and empathetic, but they also walked us through every step, ensuring we understood the coverage and what to expect. The claim approval process was remarkably fast, and within 2 weeks, we received reimbursement for the majority of the medical expenses. This was such a relief and a testament to how efficient and reliable their service is. What stood out most was how much they genuinely care about the pets they insure. They understood how critical Sydneys situation was and acted swiftly to make sure we could focus on his recovery rather than worrying about the financial burden. Thanks to Pets Best and Whiskerdocs, we were able to give Sydney the care he needed without the stress of unexpected bills piling up. I highly recommend Pets Best to any pet owner looking for comprehensive, reliable insurance that truly stands by their promise. They made an incredibly difficult time a little bit easier, and for that, we are forever thankful.
5

out of 5

POSTED: | BY: kzoodiane

it was very easy to submit my receipt…

it was very easy to submit my receipt for my cats visit to her vet. I like how they give you options on how you want to get reimbursed. I feel good about how quickly they responded to my claim and feel confident that this insurance will be able to provide the help I need for my cats, if and when I need it.
4

out of 5

POSTED: | BY: JOVITA FOSTER

LOLA'S NEW INSURANCE PROVIDER.

We have only had Pets Best for our Lola for 3 months now, but have been quite satisfied with them, thus far. Each time I have called in, the reps. are very kind, helpful, knowledgeable, and seem to take to heart in our satisfaction. If they can remain this way, I envision us being with them for the long haul.
1

out of 5

POSTED: | BY: Eduardo Barrera

Dishonest Denial: Citing Unrelated Incidents as Pre-Existing Conditions

1. We got my dog three years ago, and when he was a baby he ate some trash and threw up, so we took him for a quick vet visit that lasted maybe 30min. 2. We signed up for Pets Best 2 years ago. 3. Earlier this year he was diagnosed with a genetic immune system disease that affects his bowels, and he will need to be on immunosuppressants and other medications permanently. Pets Best denied over 30k in claims relating to this illness because of the emergency vet appt. 3 years ago, citing that he "had pre-existing conditions relating to his bowels." While I now know that Pets Best team is dishonest and fraudulent, I am hesitant to switch insurance providers because now he definitely would be entering a new insurance company with a pre-existing condition.

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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