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.
2

out of 5

POSTED: | BY: Michael Pray

Run the numbers!

Buying insurance from Pets Best seemed like a good idea and, like all insurance companies- I guess- turned out to be more of a money maker for Pets Best than the insured. I didn't like that the monthly premium kept going up- automatically, each year as if it should be an accepted way for insurance companies to do business. Like they were owed that increase regardless of pay outs. Anyway, ultimately, I ran the numbers for me from March '25 to March '26- during which there was another premium increase in July. My total payout for insurance and vet bills was $2325. This included my dog's annual wellness check up and two visits. The total covered and paid by Pets Best was $251! Had I just put money into an interest bearing account for Vet stuff I would have saved $1187. Maybe this doesn't seem like much but it adds up! I know that the reason insurance is bought is the fear of some big Vet bill- which, I guess, could happen. It's a roll of the dice. However, had I just put money aside for Vet stuff instead of giving it to Pets Best, I estimate that I would have close to seven or eight thousand in the bank at this time.
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5

out of 5

VETERINARIAN: Monrovia Animal Medical Center

POSTED: | BY: Patricia

Excellent Customer Service

I filed several claims at once because I was very busy and a bit of a procrastinator. Over six months, my senior cat has had a kidney condition, a cystic growth on her mouth that was biopsied, and a urinary tract infection. After filing my claims, I received an immediate response, consistent updates, and payment within 3 weeks.
5

out of 5

VETERINARIAN: WestVet Boise 24/7 Animal Emergency & Specialty Center

POSTED: | BY: Norma

Quick and Accurate Claims Payment.

Pets Best always pays my claim in a very quick and accurate manner. I am very pleased with Pets Best.
5

out of 5

VETERINARIAN: Pasco Animal Hospital

POSTED: | BY: Richard

pets best is best

pets best not only has good coverage but good customer service.they not only hear you they listen to what you have to say.
5

out of 5

VETERINARIAN: Midshore Veterinary Service

POSTED: | BY: Catherine

Salty

Easy to do the claim and quick response
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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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