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.
5

out of 5

POSTED: | BY: Cynthia

Fast claim processing without delays

I filed 4 separate claims for a cancer diagnosis in my pet, The first claim went to deductible and the subsequent 3 were paid rapidly and without multiple denials or questions. I am very pleased with the speed and process.
5

out of 5

VETERINARIAN: Alamo Ranch Animal Hospital

POSTED: | BY: Deborah

Affordable Pets Best Insurance

I've never had pet insurance but we have a new 1 year old cat so I signed up with Pets Best. At a young age, the insurance is affordable. Still, I didn't know if it would be worthwhile. It was. I added a Wellness Plan and took the cat to my vet for a checkup. Pets Best reimbursed me for her exam, heartworm test and, surprisingly, for her Preventative flea/tick/heartworm meds. That alone was worth the investment. It takes away the worry when I have to take her to the vet. "
5

out of 5

POSTED: | BY: Karen Naber

Great insurance

We have been very pleased with Petsbest for our insurance. Our shepherd had a life threatening illness and required a stay at an emergency veterinary clinic. He thankfully recovered. It helped to know that Petsbest had our back!
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1

out of 5

POSTED: | BY: Reeta Shah

Disputed Claim Denial Despite Veterinary Support

I am extremely disappointed with Pets Best Insurance claims department. My dog, Louis, was treated for an ear infection in November 2025; however, the claim was denied solely because he received Cytopoint for allergies during the same visit. The claims department concluded that the ear infection was related to his allergies, which I strongly dispute. To support my case, I provided a detailed letter from my veterinarian; however, this documentation was not accepted. I appealed the decision twice, yet the claim continued to be denied. The final review was conducted by an independent veterinarian affiliated with Pets Best, who also upheld the denial. This process raises serious concerns about the fairness and objectivity of the review. It is difficult to have confidence in an “independent” assessment when the outcome consistently favors the insurer, despite clear supporting evidence from the treating veterinarian. Furthermore, I am concerned that this decision sets a precedent, implying that any future ear infections Louis may experience could be automatically denied, regardless of their actual cause.
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5

out of 5

VETERINARIAN: Aumsville Animal Clinic, LLC

POSTED: | BY: Wendy M

Prompt Processing and Payments!

I have had two dogs insured by Pets Best for a number of years. With every claim I have submitted, both the processing and payments of claims has been very prompt! I, also, appreciate the variety of choices for deductibles and reimbursement. Customer Service has been courteous and thorough. I highly (and often) recommend Pets Best!
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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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