Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,546

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: Blue Pearl Emergency Veterinary Hospital

POSTED: | BY: Stephanie

LOVE

"I LOVE Pets Best, seriously I refer everyone I know to them. I have had several very large claims over the last few years (double ACL replacement on one dog, major liver surgery on another, & all 3 dogs being hospitalized for ingesting raisins), things that if I didn't have pet insurance I am not sure I would have been able to pay for and I am so so thankful that because of having Pets Best, I was able to say do whatever you have to, to save my babies. I have heard horror stories of other pet insurances denying claims or capping certain things at whatever amount. I haven't had that experience with Pets Best. I submit my claim, and within basically 2-3 weeks it is reviewed, paid and closed and the explanation of benefits is SO easy to understand. In addition to that special shoutout to CareCredit, because without them I don't know how I would've done it either. Pets Best lets you choose CareCredit for your reimbursement so they sent my claim paid amount right straight to my CareCredit card that I used so there is no hassle with it. Thank you thank you thank you!!"
5

out of 5

VETERINARIAN: Clark Road Animal Clinic

POSTED: | BY: Bob

Help In a Bad Luck Situation

"I'd only had my nearly 8-year-old rescue, Maya, for a couple of months when she began showing scary symptoms of an internal problem. After many expensive vet visits, cancer was discovered in multiple organs. Losing a great dog so quickly was awful! Getting substantial financial help from Pets Best made a horrible experience a bit easier to take. I found them to be a very good company to deal with."
5

out of 5

VETERINARIAN: Clackamas Pet Clinic

POSTED: | BY: Jeannie

Coverage

We adopted our fur baby in July 2024 and signed up for Pets Best immediately. It has been a game changer for us. Puppy had to have surgery at 8 months for a piece of cartilage stuck in his shoulder joint. Our coverage paid all but 10% for surgery, pre-op and post-op exams, and all of the medication he has needed for months. He is almost back to full use of his leg. We recommend Pets Best to all of our friends with pets and to those thinking of adopting.
5

out of 5

VETERINARIAN: San Antonio Veterinary Specialists

POSTED: | BY: Aimee

Emergency visit

"My puppy broke her leg and had surgery to repair it. I submitted my claims hoping for anything that would help with the unexpected expense. The process was extremely simple, and I was satisfied with the outcome. "
5

out of 5

VETERINARIAN: Nashville Veterinary Specialists + Animal Emergency

POSTED: | BY: Renea

Pets best Insurance

I couldn’t be more happy with my insurance for my little Maltese. I was pretty shocked when the insurance premium almost doubled, but my dog is sick and it’s not like I can drop the insurance. The claims process couldn’t be any simpler.
Please leave a review

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.
Provider website

Get a quote today

Leave a review