Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 11,516

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.2
  • 4.5
  • Count
  • 25
  • 127
  • 11,516

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: Christina Robinson

Very happy I switched to Pets Best!

My greyhound broke her toe last year so badly it had to be amputated and the vet bills ended up being about $1600. I was with VPI at the time and had been for several years and was really shocked at how little they covered for the amputation. They have a schedule of "allowable" fees which is why I switched to Pets Best, which is based on a simple 20/80 plan with a $75 one time deductible per incident.I'm so glad I did, because this year in February my girl ended up with a what was finally diagnosed as a calcified tendon in her shoulder which had to be surgically repaired....needless to say not a cheap venture. All I can say is that Pets Best was absolutely GREAT about answering all my many questions about this rather complicated claim, because it looked like it was possibly an issue with the three-toed foot in the beginning. There were extensive x-rays at my regular vet and then a specialist who did the surgery. From beginning to end my claims were processed and paid within three weeks, no more than four and that's because medical records were requested. Out of $3000 I only had to pay about $500 which sure made it a lot easier for me to do whatever it took to get my very active sweet girl back to running and playing pain free. The staff at Pets Best was always very compassionate, helpful and patient and reaching someone was never a problem. The premiums are a bit higher, but considering the benefits, especially with today's costs of good veterinary care, it's well worth it. THANK YOU to everyone at Pets Best for taking such good care of me and my best buddy Bailey.
1

out of 5

POSTED: | BY: nk

Did not cover root canal

I was unaware they would not cover root canal and removal of two teeth for my coton, as they do no dental. It cost me $1600. Root canals are not cheap and many dogs tend to have dental problems. Stats on this are high by about 3 years. My dog broke a tooth chewing. There are only 4 vet dentists in Illinois and 80 in the US, so it is quite expensive.
5

out of 5

POSTED: | BY: Audrey Hall

Great Customer Service--Very Pleased

After being a customer with VPI since A'Sharel was a pup someone suggested that I look into Pets Best Insurance. In which, I did. The first time I inquired about their insurance they were not offering it in Tennessee. It was a while before they would have the insurance in Tennessee. Of course, I continued to inquire about the insurance and finally, I was able to enroll A'Sharel. What I have been most impressed with is them accepting her at her age. With some insurances they want accept your little one once they have reached a certain age. Well, A'Sharel had reached an age whereby I thought she would not qualify. Of course, she did and I have been happy every since. Also, each time I have spoken with a customer service person they have always been polite and very helpful. I have not had a need to file a claim as of yet. So, I will have to address that issue once it happens. So, I will say they are just wonderful.
5

out of 5

POSTED: | BY: cew

Excellent customer service

I really appreciated the help I've received from Khrystal Hinkel in customer service. I couldn't understand why I hadn't heard from PetsBest after having turned in my claim after a month, and after my call, Khrystal said she would check into it. It turned out my email attachment didn't make it through, so I decided to fax it instead. Khrystal emailed me back to make sure that I knew that they had received my claim and that it was being processed. I am just very impressed with how thorough and thoughtful she was in following up on my claim and letting me know what was happening. I just don't see that kind of service any more in ANY kind of company. So far, I think PetsBest is the best!
5

out of 5

POSTED: | BY: Vicki

Simple, easy, and GREAT!

When I adopted my 11 year old, deaf, slightly blind, dog with kidney issues I started researching pet insurance. I looked at every pet insurance website I could find and read through almost everything on coverage, what's excluded, and got quotes. Pets Best was simply the best one I had seen so far, better value than VPI who wanted to charge me $68 (Pets Best charged around $44/month). If you read everything through, it's quite clear and simple. I knew my dog wouldn't get covered for a large bill due to his kidney failure later, but they covered whatever they could for that hospitalization and his euthanization and cremation. Pets Best has had the best customer service I've seen. When I adopted my 3 month old puppy 6 months later, I immediately signed him up for Pets Best and locked in our low rate of $32/month. I've seen a few new insurances recently that also look pretty good, but in the long run I think Pets Best will still benefit me the most. Just recently, my dog was hit by a car and having Pets Best really helped keep me calm as it was one less thing to worry about. I'm absolutely satisfied with their service and their coverage!

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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