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.
4

out of 5

POSTED: | BY: Michelle

I am a believer

I bought pet insurance reluctantly because of horror stories of people not getting reimbursed for claims. My dog needed a surgery for a luxating patella so this was the big test to see if pet insurance is legit. Pet's Best has made me a believer in pet insurance. The reason I didn't give a perfect score is because I don't like how you pay a copay on your deductible so it takes more money before you hit your deductible. Pet's Best is my first insurance company so not sure if that is how other carrier's do it.
5

out of 5

POSTED: | BY: Barb

Always a positive experience

Pet’s Best has given us peace of mind for caring medically for our pet. It is affordable, easily customizable and customer service reps have been great!
1

out of 5

POSTED: | BY: Martha

Every claim denied after paying for top tier plan

DO NOT use Pets Best for your pet. They have denied every single claim we’ve submitted over the past three years and we are paying for the highest coverage. Complete waste of money and horrible support. I can’t even cancel my policy without speaking to them on the phone, but no one answers after sitting on hold for hours.
5

out of 5

VETERINARIAN: Viscaya Prado Veterinary Hospital Main 1141 Country Club

POSTED: | BY: Laura

A godsend to have

I am so thankful to have coverage on my fur babies for the unexpected events. Nobody wants these things to happen but when they do they can be completely devastating not only financially but emotionally. It helps to know at least one side is covered for those events.
5

out of 5

POSTED: | BY: Jules

Grateful for Pets Best During an Unforgettable Year

2025 was a big, unforeseen medical year for Winston, and Pets Best gave us incredible peace of mind during a very difficult time. Knowing his care was covered allowed us to focus on making the best decisions for his health without constant financial stress. The claims process was easy, fair, and fast, and the support we received meant everything to us. I highly recommend Pets Best to any pet parent looking for reliable, compassionate insurance when it matters most.
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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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