1
out of 5
POSTED: | BY: Cameron Eliot
Terrible company
Terrible company. Similar to regular insurance they deny. Don't cover things clearly covered.
Read more on Trustpilot
4.3
out of 5
Number of reviews 14,111
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.
Reviews
1
out of 5
POSTED: | BY: paul christy
Pets best has the worst service I ever…
Pets best has the worst service I ever had, and I am 76 years old. In short they will find ways not to pay your claims. I never would use them for my pet insurance.
5
out of 5
POSTED: | BY: Doug Abbott
Repeated Bouts of Pneumonia
I am constantly recommending Pets Best to my friends and family who are pet owners or are considering becoming pet owners.
Nearly eight months ago, I had to rush my dog to the emergency room because he was struggling to breathe. He was diagnosed with aspiration pneumonia and had to stay in the hospital for several nights before being sent home with antibiotics. A few days after the antibiotics ran out, he again started coughing and struggling to breathe and ended up back in the emergency room and hospital for a few more nights. This cycle repeated a third time before we found out he has Irritable Bowel Disease which was causing him to regurgitate. He was apparently inhaling some of his regurgitation at times, causing him to repeatedly get pneumonia.
We're finally getting to the other side of things as we continue to consult with our regular vet and an internal medicine specialist, but we wouldn't have gotten this far without Pets Best. The bills for all of this treatment have been astronomical, but Pets Best covered our costs as outlined in our plan with no hassle or questions asked. It has been one of the best experiences I've had with any company and absolutely saved my dog's life.
1
out of 5
POSTED: | BY: Ken McName
Terrible experience and not worth having
My dog broke his foot on 09/30/2025 and ended up being 5 vet visits - xrays, cast changes... They processed the incident date as 10/17 (?), which was one of the follow up visits and then only processed the things done on that one visit. Completely at a loss of what was done. Submitted all 5 vet printouts and sent the SOAP for all 5 visits. The remaining 4 visits, including the first one which was the most done (sedation, setting bones back, getting cast) were completely ignored and not processed.
1
out of 5
POSTED: | BY: GypsyAnna
This company is giving big SCAM energy...
This company is giving big SCAM energy... there's no access to their portal, they have a new excuse as to why each day.. You can only submit a claim by emailing a generic inbox and then when you call you wait at least 45 min, only for them to say they can't see if the email was received. If you ask to speak to someone in the claims dept they will tell you there's no phone number to transfer you to... I guess those guys work in the Cone of Silence and never have to communicate with anyone else in the company. They drag out the claims process as long as possible so that they can collect as many monthly payment before you get pissed and cancel the policy. I have reporting them to the Federal Trade Commission and I encourage everyone to do the same.
Policy
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.
Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method.
Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.
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.
Company
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.