Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,502

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: Westside Veterinary Hospital

POSTED: | BY: Camryn

Appreciate the Support!

"The Pets Best app makes submitting claims quick and easy. Responses are typically received in a timely fashion with decisions explained. I appreciate that the support of having pet insurance allows us to make decisions based on what is best for our girls. "
5

out of 5

VETERINARIAN: WellHaven Pet Health Hazel Dell

POSTED: | BY: Ann

Technology leaves old people in the dust

It all used to be easy, but as the years pass, new words, techniques, and computer functions change. Drag-and-drop was what we did with laundry; we dragged dirty clothes and dropped them into the washing machine. I'm still working on "capture and release," but that's something for police or wildlife, isn't it? After 3 frustrating days, I finally hit "SOMETHING" that made my submission work, and I'm always fascinated by how easy it is when I finally figure it out. The bottom line is, the insurance is beyond great; it's a necessity. I know that in today's world of rising costs of "everything", one more bill is a pain, but what is that animal who looks to you for everything worth? You know, the one who understands love, affection, and comfort but has a problem understanding pain. If you're young you will love it, if you're old,well....you'll figure it out eventually.
5

out of 5

VETERINARIAN: Portage Park Animal Hospital

POSTED: | BY: Amanda

Thankful for Pets Best

We've appreciated being customers of Pets Best over the years. Every time I've called, I've been met with someone who was warm, kind, patient, and genuinely helpful. It's rare to consistently receive that level of customer service, and it's something I've always appreciated. Most recently, I called to let them know that our beloved dog, Olive, had passed away. I also wanted to make sure our account was updated and the team was aware of a final claim we would be submitting. The representative I spoke with was incredible. She expressed such genuine compassion during a really difficult conversation and took care of everything I needed, so I didn't have to call back or worry about anything else. That small act of kindness meant more than she probably realizes. It's clear that Pets Best not only cares for pets, but also for the people who love them.
5

out of 5

VETERINARIAN: Veterinary Urgent Care Center - Easton

POSTED: | BY: Rocco

Project manager

Veterinarian urgent care is very understanding since I have a hyper sensitive German Shepherd. They are very patient and willing to spend the time with your Pet and yourself explaining everything. Please continue to provide excellent service.
5

out of 5

VETERINARIAN: Pleasant Valley Animal Hospital

POSTED: | BY: Lori

Poor Minnie

"My sweet dog Minnie (havanese) started with Pet's Best AFTER she was diagnosed with allergies. We knew that the pre-existing condition would not be covered, but we decided we could not afford to pay more huge bills if she was ever sick or injured. Well, three years with no claims was fine, but we questioned if it was worth it. Fast forward to 8/2025… she developed a heart murmur, congestive heart failure, and now her kidneys are struggling due to all of the medicine. Thank God we kept the insurance! One cardiologist visit was $1400, so we met the deductible. Since then, I submit her vet visits, meds, and one ER visit and it has all been covered. It has been a real help. Her heart medicines are very expensive. I submit everything one by one. It takes me a little while, but they send direct deposit reimbursements and I am so grateful. I recommend Pets Best to friends and family all the time. I have it for my 3 yo Italian Greyhound too. I hope he never gets sick or injured, but I am glad to pay for Pets Best, just in case! "
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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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