5
out of 5
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: VCA Ho-Ho-Kus Animal Hospital
POSTED: | BY: Joe
No Hassle Claims
"Once again, my claim experience was simple and settled as promised. In several years of having pet insurance with Pets Best, I have never had a problem or been disappointed! I have recommended Pets Best to many friends and have never received negative feedback. Thanks Pets Best for being a company that carries through on their promises. "
5
out of 5
POSTED: | BY: Cathy Laferriere
Pet's Best
We have Pet's Best for a couple of years now. We had decided to take out the insurance on our two youngest dogs. We never had this type of insurance before , so we were initially a little skeptical. It turned out to be a good relationship. The App makes all the difference in the world. After submission of a claim, if there is an issue then they keep you in the loop as to what is going on with the claim, which is much appreciated.
5
out of 5
POSTED: | BY: Gigi
Great insurance for my Labbies!
"I had previously had AKC and Nationwide for my 3 Labradors. This year, the premium at Nationwide jumped ridiculously from last year ($66/year to $106/year) for my two 5 year old boys. I decided to look at other options and found Pets Best and am very happy I did! Easy to file a claim, great rates and fast claim payment."
1
out of 5
POSTED: | BY: Robert Mayfield
Poor Service, The Worst!!!!!
I’ve had my pet insured with Bets Best for over 5 yrs.
The Co. must have changed hands!
They are the worst! I can’t get them to pay an $83 dollar came I submitted the first of Jan. 2026 today is 3/9/2026. They told me on 2/10/2026. In a letter& I quote “At this time, this delay notification does not require any additional information from you”
As of today 3/9/ 2026 it is still UNPAID!
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 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.