Pets Best | Pet Insurance Review


out of 5

Number of reviews 10,456

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.0
  • 4.5
  • Count
  • 22
  • 94
  • 10,456
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.

out of 5

POSTED: | BY: Jim Arnold

We are very happy with pets best

When we got our new lab puppy, we felt we should also review purchasing pet insurance. We reviewed every company, and the one that continued to be recommended was Pets Best. The final recommendation came from our AHHA cretified veterinary hospital owner, who made a strong recommendation for Pets Best. We purchased a policy on Madison with Pets Best. Madison "Our new lab" has had her first vistit, and everything went well with Pets Best. We get tremendous peace of mind having this insurance and would certainly recommend this company to anyone. Thank you Pets Best!

out of 5

POSTED: | BY: bob

Pets Best is a Joke

My dog had a traumatic injury that injured his patella. They refused to pay my claim b/c they said it was congenital. The dog did not limp before the injury. I filed a dispute and they still said the same thing. The company is a joke and they steal money. I guess since all animals have genes then every condition is congenital. They just did not listen to me or my vet. I am going to specidically not recommend Pets Best to all my friends/relatives. Also it took almost 3 months to get as far as I have gotten. They are worse than people insurance. They probably just reject claims hoping that no one will dispute them.

out of 5

POSTED: | BY: S. Hetrick

1st Claim Paid in 9 Days

I faxed in my claim on a Friday, it was acknowledged on Monday, payment confirmed on Wednesday, and I received my check the following Saturday. This is my first experience in pet insurance, but PetsBest was recommended by several people, including a vet who has 8 dogs insured thru PetsBest. My claim was simple - just a wellness claim - but I was impressed with the speed.

out of 5

POSTED: | BY: my pet's

Have never made a claim and they dropped me!

According to Pet's Best, my credit card was denied 3 times in an attemp to pay one months payment of less than $29.00. On the day P.B. called my home to say my plan was about to be dropped she did not say that there had been 3 attempts. Assuming there was only one, I asked the customer service rep to try the card one more time as I had never had this happen with any of my credit cards. I also asked to PLEASE contact me immediately if there were any other problems with the card. She said everything would be fine and to disregard the letter I would receive stating thier intention to terminate my coverage. I only stumbled upon the fact that I no longer had coverage when I called Customer Service with a question about a claim I was about to submit. She rudely replied that I was no longer covered and could not submit a claim. So,I asked to speak to a magager, as I was shocked at this turn of events. The manager proceeded to lecture me based on what her employee had told her, not even giving me a chance to speak. When I did try to speak, she yelled over me and cut me off. After a great deal of thought I called back and spoke to a very nice sales rep. (I had decided to get a lawyer and stay with the plan in order to prove that I had no intention of not paying or having it dropped.) She stated that she would have to call me during their hours of operation the next day (Saturday) because the credit card system was down. She said to contact my credit card company and try to prove that it was the bank's mistake "to give you ammunition to prove to Customer Service that it was not your fault." Not only did my credit card company inform me that their computer showed no attempt was ever made to bill my card on the dates they claimed to do so, but that I had made several other purchases on the dates they claim to have attempted to bill me. Also, they confirmed what I had already known to be true, which was that I have an excellent credit history and a $9,000 credit limit! (No reason to even be denied!) Why would they not try to keep a good customer who has never made any claims over a simple miscommunication? Maybe because they saw that my dog was ten years old when I called to ask about my potential first claim. Maybe some of the customer service personnell are good and some need to be fired. All I know is, if Pets Best does not make this right, my children will lose their beloved pet much, much sooner because we cannot afford the claim we were about to make. I fear that even though we want to reinstate this insurance company, they will be able to say that there is now a pre-existing condition. Who would intentionally not pay on a policy, when their pet is 10 years old? I've never felt so cheated in my life!

out of 5

POSTED: | BY: Donald A.

A-OK Pet Insurance Company

I have filed four claims with this insurance company, and each claim was processed very quickly and with excellent communication. I have no other experience with any other pet insurance company so I cannot say how Pets Best compares, but since 2007, I have been more than satisfied with their service.

Monthly Cost

$6 and up, depending on your chosen plan.


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.


$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

Waiting periods are based on the effective date, usually the day after enrolling: 14 days for illness claims 3 days for accident claims 0 days for routine care


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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