Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 7,218

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.8
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 7,218

Updated: June 28, 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: Theresa Rosato

Grateful Dog Mom

Our dog has had a few issues lately that caused us to take her to the vet hospital or emergency. We are so grateful to have this insurance! We would not be able to give her the same level of care without it. They are prompt and professional and the coverage is excellent.
1

out of 5

POSTED: | BY: Kristi Mientka

Do not recommend

My cat experienced an unforeseen emergency and passed away just one day before the coverage began. I had started the policy with Pets Best two weeks prior with no knowledge that she was even ill, after my previous insurer notified me that they would no longer be providing pet insurance. When I called Pets Best to (calmly and politely) ask if an exception could be made for the expenses given the circumstances, I was told no. Neither of the agents I spoke to offered any condolences for my loss. I understand that this is their policy, but I hoped that as a company that claims to care about pets and their people, they would show some compassion. I will not be insuring any pets with them in the future.
1

out of 5

POSTED: | BY: Michael Flynn

Do not go with Pets Best Raised Policy over 40% in one year

I would never recommend Pets Best to anybody who cares about their fur baby. They are slow with claims and on top of that, raised my policy by 42.15% and would not explain to me why or provide me with a breakdown. Make sure you do your homework on these companies because they trap you after the first one.
1

out of 5

POSTED: | BY: Andrew Gore

Pets Best never pays

After several years of having a policy, this company never paid one claim. Their excuse was always “contacted veterinarian for more information.” According to the vet they never contacted them, and they never paid a claim. Total waste of money.
5

out of 5

POSTED: | BY: Doreen Wilson

Great process!

Great process! Efficient, thorough, quick

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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