Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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: Village Veterinary Hospital

POSTED: | BY: Maria

BEST Claims Experience EVER!

It took less than 1 week to have my claim approved and reimbursed into my bank account. That's OUTSTANDING!!! Can't ask for better service.
5

out of 5

VETERINARIAN: For Pets' Sake Vet Clinic Inc

POSTED: | BY: Helen

L'c

Best insurance ever! Fast and efficient. Claim was answered immediately and payment was in the mail after only a few days! I couldn't believe it!
5

out of 5

VETERINARIAN: West Hills Animal Hospital

POSTED: | BY: Loren

Four Years of Great Experiences with Pets Best

We have had Pets Best for more than four years, and it has been a really positive experience for our family. We first enrolled Kodak, our older Vizsla, in the plan. About a year later, we added Mia, our younger Vizsla, and as we have adopted more pets, we have continued to add them to our policy. We now have two dogs and three cats covered by Pets Best. Our pets are truly part of our family, so having insurance that helps us provide them with the care they need is very important to us. The recent claim I filed was for Mia's Revolution treatment. I submitted the claim on September 13, 2026, and received the payment just two days later, on September 15. The total bill was $152.60, and Pets Best paid $80.00 through our EssentialWellness plan. The whole process was easy, quick, and straightforward. The information was clear, and I could easily understand how the claim was processed and what portion was covered. I really appreciated not having to spend a lot of time figuring things out. We have continued with Pets Best for more than four years because we have been very satisfied with the service. As our family of pets has grown, we have felt confident adding each new member to our coverage. Knowing that we have that support gives us peace of mind and allows us to focus on taking good care of our pets when they need veterinary care. This experience with Mia's claim was another example of why we have been so happy with Pets Best.
5

out of 5

VETERINARIAN: Southside Animal Hospital

POSTED: | BY: Donna

Satisfied customer

I had taken my Alfie for his exam at his Vet's office and shortly after I got home I sent in on line his statements! There were a few questions, I then I attached statements and it was done so easily without any confusion! My check was in my checking account within 2-3 days! Petsbest is a company I can trust!

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.

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