Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 7,276

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.4
  • 3.3
  • 4.5
  • Count
  • 19
  • 127
  • 7,276

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: Lee Sinclair

It's True!

I am the first of my friends and colleagues to get pet insurance. I fund and work with many many rescue groups and dog devotees. Everyone kind of had the opinion that pet insurance was a scam - they all wanted to know my experience. I kept telling them I had nothing to report. My dog was fine. Well, it finally happened. Daisy got sick quite suddenly and died four days later. The bill was over $3000! I put in my claim and waited. I really had no idea what to expect. In the meantime they were so nice to me - called me with their condolences - just really amazing personal attention. I just got my claim decision the other day. They are paying 2/3rds of the cost! Everyone was shocked. I now believe my friends and colleagues secretly thought I was being scammed. So now I'm telling everyone it's true! Pet's Best Insurance is for real. I'm even getting phone calls from people who got word of this event asking who I'm insured with. I plan on posting my experience to Craigslist just to let people know that pet insurance, though new, is real and that all I can recommend is Pets Best. Nothing will bring back Daisy but at least I know that if I have a sick animal it' ok to focus on getting them well without getting a second shock when the bill comes in.
5

out of 5

POSTED: | BY: Rob W.,

First Rate Company & Does What It Says It Will Do

This company is top flight and does exactly what it says it will do: it provides insurance at a reasonable cost so as to help take the cost issue out of the equation when having to provide medical treatment for our "pet family members." We recently lost our two-year old cockapoo to a terrible immune system disease that struck completely out of the blue. The hospitalization and course of treatment was very expensive, but thanks to Pets Best we were able to do everything we possibly could to try and save our beloved dog's life. Without Pets Best, our treatment decisions would have been agonizingly difficult and quite candidly I'm not sure that we could and would have done all that we did do (which obviously would have made the terrible loss even harder than it has already been, particularly for our children). Further, and as it has always done, Pets Best paid our claims quickly and efficiently. The customer service could not be better. Although it will obviously take us time to get over the loss of our dog, when the time is right for us to get another one there is no question that we will use Pets Best once again.
2

out of 5

POSTED: | BY: Ko

Watch Out!

Inconsistent reimbursement. They did very well with one of my cats, and NOTHING (!!!) for the other one. Wouldn't recommend them because of this inconsistency. Also, no real assistance via telephone regarding protest of their non-payment. Lots of paperwork needed to request a review, including several LAYERS of review. I canceled both cats' policies and went to another provider.
5

out of 5

POSTED: | BY: Donna

This is the best thing I have done for my cat

I have never had pet insurance, so I carefully researched all of the options before I chose Pets Best. The coverage is 80% minus a one-time deductible per incident. I have a cat that was diagnosed with Asthmas/Bronchitis/Pnuemonia. The diagnosis, treatments and medications have totaled approximately $2,000 so far. I have had to pay only the low monthly premium, the $100 deductible and $400. I can download my scanned receipts right over the internet and the response time is very quick. I am confident that I made the right choice in Pets Best and their support has been wonderful.
5

out of 5

POSTED: | BY: Donna

Very Satisfied

Pets Best Insurance has surpassed my expectations. If only I could find health insurance for myself that was as expeditious and cooperative as Pets Best. Within 2 weeks of my dog's hospitalization, I had a check in hand. I have had to file claims, which is very easy, on two occasions since getting my puppy 9 mos. ago. I always know exactly how much of the expense will be covered. I highly recommend Pets Best Insurance.

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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