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: Herndon Animal Medical Center

POSTED: | BY: James

Pets Best Pays!

Overall, I have been very satisfied with Pets Best as an insurer of my dogs' health. Last year (2025), Pets Best paid over $25,000 in claims when my dog Penny ingested a dog toy and the stuffing became wound around her intestines. Penny had an initial surgery to have the toy and stuffing removed and then had a second surgery when the internal sutures failed, primarily due to an infection. There were also additional incidental costs, including drugs, imaging, rechecks and consulations, etc. The second surgeon assured me that Penny would not be alive if it hadn't been for my promptly engaging veterinary services. Pets Best allowed me to do that. Penny is a super high maintenance dog: she is always getting ear infections and/or stepping on something she shouldn't and/or getting stomach nausea, etc. Pets Best has supported us through it all. Pest Best did not always have super-fast claims processing. However, in the last year or so, they have been making much faster payments. I do appreciate that. Overall, I recommend Pets Best very highly!
5

out of 5

VETERINARIAN: Indian Hills Animal Clinic

POSTED: | BY: Michael

Best Insurance for Pets

Pets Best has been great and very helpful regarding our Claims on our dog. They have told us what was needed and they have paid the Claims in a timely fashion and that has helped us focus on our little baby and help him get better. We would rather not use the insurance and our dog not have gotten sick but we are very thankful for Pets Best and the service we have received during this stressful time. Thank you!
5

out of 5

VETERINARIAN: VEG ER for Pets

POSTED: | BY: DOUG

Pets Best Insurance and VEG San Ramon Came Through

My dog got into a bottle of melatonin and was throwing up. After checking online we learned that the the active ingredient called Xylitol is extremely poisonous to dogs. This required immediate emergency hospitalization for nearly 3 days. The dog almost died but has recuperated. Thanks to Pets Best they covered a large portion of the big vet bill. So glad we had this insurance."
5

out of 5

VETERINARIAN: Forever Vets Animal Hospital in Bartram Market

POSTED: | BY: Damaris

Pet insurance claims

Easy and quick. Very responsive and detailed information.
5

out of 5

VETERINARIAN: Providence River Animal Hospital

POSTED: | BY: Jan

Pets Best is the best

In the very crowded space of pet insurance pets best is fantastic and I highly recommend it fairly priced outstanding reimbursements great customer service and Speedy payments
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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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