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: zoe mei

Efficient and straightforward

efficient and straightforward claim process, near immediate reimbursement. I wish human insurance were this competent. luckily my first and only time using PetsBest so far has been for an annual check-up and vaccines, but I am grateful to have a sense of PetsBest quick processing time for future reference.
5

out of 5

POSTED: | BY: Brittany Worden

Easy and affordable

Easy claim submission, great customer service, quick reimbursement, premiums are affordable.
1

out of 5

POSTED: | BY: Linda R

Out of all the pet insurance policies…

Out of all the pet insurance policies I’ve had, this is by far the worst one. Processing time will always be 2-4 weeks. Out of 10 claims I’ve submitted, 5 have been delayed. All of which were claims over 100$. They have payment processing issues where if you’re signed up for ACH and that fails, well you’re getting a check in the mail. They don’t attempt a redeposit even though it’s their own system issues. I feel like most of these reviews are fake. They’ve continuously made it harder and more difficult to process your claims. My documentation was always fine at first then i started getting kick back on the same documents because their requirements changed and no one notified me of this update. I’ve been with this company for over 2 years now and im just not satisfied with how they handle and process claims.
3

out of 5

POSTED: | BY: Linda Wood

We pay (now) about $90/month plus…

We pay (now) about $90/month plus WellCare. It bothers me that we bring our dog for a yearly check-up with required vaccines/shots and none of those weee covered. So would like to know why we should have WellCare??? A $383 vet bill and Pets best only paid out $155. Very disappointed.
1

out of 5

POSTED: | BY: Helen Shukhat

PETS BEST s/b named PETS WORST

I had several dogs and always buy insurance. Pets Best is worst one. It;s takes them forever handle the claims and they reject without valid reason. No wonder so many people complaint to BBB. I purchased insurance for 3 Year dog on 9/26 and on October 3 she got ear infection. Claim was denied as preexisting condition. Another claims in 2024 also denied because of the same reason. I will report their practice to BBB

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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