Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 11,501

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 11,501

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.
5

out of 5

POSTED: | BY: Tari LaCourt

I must say I love Best

I have always had very good service and quick responses and reimbursement. I have had no problems, ever. When I have a question regarding a claim, I get presise information and explanation. I have two dogs insured through them, and I recommend them highly. I enjoy talking to customer care, especially Cass. I give shout outs to them on my blog www.adoptionofpet.com often.
5

out of 5

POSTED: | BY: Alexandra Bird

You saved my baby!!!

When I started looking for a new pet insurance company, my dog, Sampson, was 9 years old. I spent a LOT of time searching for insurance that would cover an older dog for more than just accident insurance, and was happy to come across Pets Best for my peace of mind. Little did I know at the time that in just a few months, I would be needing that peace of mind desperately, because Sampson suddenly got hit by several serious ailments all at the same time: he had a seriously enlarged prostate and needed surgery, came down with Valley Fever, and also was diagnosed with an aggressive form of cancer. I was beside myself with anxiety and worry for my baby, but the one thing I didn't have to worry about was being able to get him the medical care he needed. Without Pets Best, I couldn't have afforded the treatments he had to get or the medications he has to take. Of course, he has also had the usual garden variety things that needed treatment, too, like ear infections and a tummy bug. All of those things added up and Pets Best has been so great about taking care of all my claims. They process them right away, deposit the money directly into my account, and cover a whole lot more than other insurances do at far lower rates. For someone like myself, who is disabled and living on a very limited income, Pets Best has been a lifesaver, not only for my wallet, but also very literally for Sampson. I am thrilled to say that he is doing great and had his 11th birthday in February!!! I can hones
5

out of 5

POSTED: | BY: Katie

Straightforward AND quick

I researched and read reviews for many many canine insurance plans. I didn't want money to dictate any decisions I might need to make should the unforeseen happen. They, unlike many companies, also included alternative therapies like acupuncture, which I thought would come in handy during later years with managing arthritis and such. I was planning for his future, and never dreamed I would use it end up needing it just 2 years in. My little man is now four and a half years old (Lab) and ended up having a High Velocity Disc Herniation, most likely from Intervertebral Disc Disease, just two weeks ago now. It was a scary time, especially in the beginning when no one really knew what was going on. X-Rays weren't showing anything much useful, and an MRI was recommended as the most likely method to help accurately diagnose. With all the pressure on a dog's spinal chord these herniations cause, a quick analysis must be made to avoid permanent damage. Many times surgery is needed, and the chances of a near full recovery are exponentially greater when the surgery is done within 36 hours. Fortunately, I didn't have to weigh my finances against giving my best friend his greatest chance at being a happy normal dog for years to come. Perhaps more fortunately, surgery was not needed, but without the MRIs we would not have known. It's two weeks later, and he's still being boarded at an animal in-patient rehab facility, but he is making remarkable progress. It has been 8
5

out of 5

POSTED: | BY: Loly

Best is what they are...

No hassle claims processing and quick reimbursement. Customer service is excellent. Rates are reasonable. I have referred them to several friends.
1

out of 5

POSTED: | BY: concerned pet

sketchy service

Called several times--needed to file first claim. Always and only get voicemail. No human! Callback was within 2 days, but still a hassle. Filed 2 claims--one for my dog that died of cancer. That claim was paid. Other claim for bacterial infection which caused diarrhea and required meds and blood tests--nothing was paid on the claim. Very unhappy. Customer service told me didn't need any info from the vet when submitting my claims, but then both times they requested info directly from my vet, thereby delaying my claim. Really, if you are going to insist on vet records, why not insist on them at the time the claim gets filed? So much unnecessary work for everyone, and then to deny the very basics of claims--infection! I had three dogs enrolled on this plan, but now I think I am wasting my time and money.

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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