Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 11,533

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.2
  • 4.5
  • Count
  • 24
  • 127
  • 11,533

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: T. Holt

Great company- speedy claims processing!

After the horrible medical problems with my last dog, I decided I needed to look into pet insurance to help with medical expenses. I chose PetsBest due to a recommendation from my Vet- Loomis Basin Vet. Within the first year, my dog had surgery, and now is having seizures. In order to give her the best care I can, Petsbest is making the expenses so much more manageable. I highly recommend them! It's worth the monthly expense, and its paid for itself.
5

out of 5

POSTED: | BY: Gale

Fantastic experience

Thank God I have had only one experience with a claim but I received excellent service and the reimbursement was very fast. Sure, it would be great if the premiums were less and if they paid more than 80% but this is the real world. It is very comforting to know that if I ever have to file another claim I will have the comfort of knowing that this company stands behind their promises. Having a sick pet is more than enough torment; one shouldn't have more heaped on by one's insurer.
5

out of 5

POSTED: | BY: Annemarie Kubicek

Prompt, courteous and compassionate response

Over the years, my husband and I heard only negative comments from friends about pet insurance companies. Yet, given the amount of money we spent to keep our previous pets healthy, we decided to give Pets Best a chance. We are very glad we made that choice. Our eight-month old mini-dachshund was running and broke her leg in the process. She had to have surgery, and the vet bills amounted to over $3,000. Our policy had been in effect for less than six months, and my husband was sure the company would find some way to not pay our claim. He was so totally wrong! Pets Best provided prompt, efficient and compassionate claim processing, and we had our reimbursement check in hand in just a few weeks. We are so grateful to have found and honest and ethical pet insurance company who was there to support us when we needed them the most. We'll recommend Pets Best to all our friends. We hope never to need the company's services again, but we are comforted to know they will be there to support us should the need arise.
5

out of 5

POSTED: | BY: Jennifer

Amazing and quick service

When my puppy was injured and we took her to the emergency vet I had my reimbursement check back within 10 days - but I'm amazed that for her spay surgery last Monday, and turning in her claim on Tuesday, I had the check by Saturday. I also appreciated that I received a personal phone call from a customer service rep to let me know that I would be getting a premium reduction for an error that was made and it was just sent back to my credit card. I believe I will be with PetsBest for the rest of my pets lives!
5

out of 5

POSTED: | BY: Warren Cohen

Very good

Fortunately to date we have only used the wellness care part of the policy that covers our two Lab Retrievers. Our male Lab is a certified Service Dog and our female Lab will shortly get her certification. As both Labs go in for physicals twice a year with a full exam (blood work ups, etc) at least once a year, the policy has helped us control the cost of Vet services. Also it is comforting to know that should an emergency occur we can provide treatment for our Labs without worrying about the cost of the treatment.As both my wife and I are disabled and depend on our Labs to help us get around, this is the least we can do to insure that the best possible care is available to them if needed.

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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