Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,511

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

VETERINARIAN: Garden City Park Animal Hospital

POSTED: | BY: Barbara

Easy to get exactly what I paid insurance to do

Submitted all on line. Paid as per plan quickly direct to my accounts. Exactly as expected.
1

out of 5

VETERINARIAN: Orange Park Animal Hospital at Oakleaf

POSTED: | BY: Tim

Not actually wanting to help clients - they make assumptions on diagnosis before diagnosis made

This company saw my dog had a post-spay uti a month before getting the policy. I brought her in two months or so after getting the policy because she was having issues with incontinence the incontinence had not developed until after that time which the vet confirms. But the insurance company, doing all they can to escape helping their customers, decided to assume the diagnosis and relate it to the uti (I would assume). They never really explained why. They just said it was prior existing condition. Which it was not. Making it a pain in the butt. It’s insane. Horrible scam of a company. Anyone should go through any other company. Please.
5

out of 5

POSTED: | BY: Danielle

Handled Without the Hassle—A Truly Seamless Process

The claims process with Pets Best Insurance was incredibly easy to navigate. My veterinary office submitted the claim for me, everything was handled electronically, and I received reimbursement without added stress. I've also learned that future payments can be deposited directly into my bank account, which makes the process even more convenient. At one point, there was a billing issue, and it was handled directly between my veterinary office and Pets Best without needing to involve me at all. I really appreciated not having to act as a middle person—it made the whole experience feel seamless and well-coordinated. Most importantly, this coverage gives me a deep sense of support and peace of mind. Knowing that my cat's medical needs—whether emergencies or illnesses—are covered is truly invaluable. I'm so grateful for this service.
5

out of 5

VETERINARIAN: Granby Veterinary Hospital

POSTED: | BY: Andrew

Great Service

Pets Best insurance has been phenomenal. We’ve been customers for over 10 years now, with multiple small claims and three major illnesses. Throughout every situation, we’ve been able to make the best medical decisions without having to worry about financial impact as Pets Best has never pushed back on any claim. I can’t recommend them enough to any pet parent!
5

out of 5

VETERINARIAN: Peninsula Center Pet Hospital

POSTED: | BY: Mario

Gia Best Dog

Great experience with Pets Best Insurance. My Claim was processed quickly, coverage is reliable, and customer service is always helpful and responsive. Gives real peace of mind knowing my pet is protected. Highly recommend!
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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.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best Pet Insurance detail
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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