Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,498

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: Elana

I LOVE Pets Best!

I am SO happy I switched to Pets Best. They are affordable, easy claim submission, and very reasonable reimbursement. I love my fur babies and am so relieved they are covered by Pets Best. Thank you Pets Best!
5

out of 5

VETERINARIAN: VCA All Animal Hospital of Orange Park

POSTED: | BY: Connie

Pets Best is the BEST

My experience with Pets Best Insurance has been very positive. Once the deductible has been met, all of my claims have been reimbursed. I have had Pets Best Insurance for my 2 Frenchies for over 8 years, and their medical bills have been very expensive. My Frenchie, Sammie had vet bills that totaled $13,000+ due to a highly aggressive inoperable brain tumor. Pets Best paid all of her claims during the last 3 months of her life. When she passed, I received a sympathy card. I highly recommend Pets Best Insurance.
5

out of 5

POSTED: | BY: ARLENE

Processed and Paid quickly

Came home to my Shi pooh having thrown up multiple times. Took him to emergency vet(VEG). Cost almost 1100. After 500 deductible(it was my first claim with Pets Best), they paid almost entire balance left. Processed with in two days and paid within 4 days directly to my bank account. Very Very happy with process and Rocky is now fine!"
5

out of 5

VETERINARIAN: Banfield Pet Hospital

POSTED: | BY: Melody

Claim

"I took my dog to Banfield on Thursday, August 13, 2026 for a wellness check and vaccinations. I submitted the claim on Friday, August 14th. On that same day I received an email notification of receipt of claim. On Sunday August 16th I received an email notifying me that payment had been processed and sent to my bank. Attached was the explanation of benefits."
5

out of 5

VETERINARIAN: Smith Animal Hospital

POSTED: | BY: Wanda

The Value of Pets Best Insurance for Budget-Conscious Pet Owners

Living on a tight budget often requires careful consideration when deciding which bills to pay first. One major concern for pet owners is choosing between covering their pet’s healthcare expenses and meeting other financial obligations. Pets Best Insurance has alleviated this worry by offering a reimbursement plan that makes it easier for me to manage my monthly bills. Since enrolling in Pets Best Insurance, I have been able to pay my regular expenses without sacrificing my dog’s health care needs. In conversations with other pet parents, I have learned that many are dissatisfied with their current dog insurance providers. I have shared my experience with Pets Best Insurance, explaining how it allows me to take my dog to the vet without worrying about staying within my monthly budget. For any pet parent searching for reliable pet insurance, I highly recommend Pets Best Insurance. Not only does it enable you to provide your pet with quality health care, but it also offers peace of mind by helping you stay financially stable.
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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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