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

VETERINARIAN: 4 Legged Friends Veterinary Clinic PC

POSTED: | BY: Teresa

Pets Best consistently exceeds my expectations

"We have had a lot of vet bills this year, astonishingly so. I had never had to use our policy before though we've had it several years. Pets Best has been amazing in processing the claims and in sending payment very quickly. It has made the worry less. Thank you Pets Best. "
5

out of 5

POSTED: | BY: Becca

Pets Best is Dependable

We first got Pets Best insurance when we got our second dog in 2023. We couldn't have seen it coming, but 5 months later our other dog was diagnosed with cancer and needed a potentially life saving surgery. It was such a relief to be able to say yes without any hesitation to save her life. Pets Best was there for us and within less than one month reimbursed us to the full extent of our insurance plan. We have been loyal Pets Best members since and have recommended them to all of our friends with pets. The ability to say yes to pet care without worrying about the financial burden is a huge relief and one that we highly value as pet owners.
5

out of 5

VETERINARIAN: Tanasbourne Veterinary Emergency

POSTED: | BY: Andrew

Love these guys!

The smartest thing I ever did with my 2 dogs was to get them health insurance the moment they were eligible to get it. Our last 2 dogs didn't have it and racked up impressive costs in their lifetimes. Pets Best has come through when needed and has always been easy to utilize. Recently one of our boys decided to quietly eat a small piece of cloth and then followed it with a lot of long grass and long story short, had to have it surgically removed from his stomach. Without Pets Best, that would have been really expensive. The knowledge that I never have to think twice (financially) about veterinary care for our boys is an incredible feeling. Their rates are totally fair and their coverage is excellent. I often look back and consider this one of my smartest pet decisions ever.
5

out of 5

VETERINARIAN: Pet Surgery Center of Fort Lauderdale

POSTED: | BY: Zienna

Outstanding service and coverage.

I wanted to share my positive review, as encouragement to anyone looking for insurance. My beloved cat Pierre, has unfortunately had a few issues, from eye surgery, pancreatitis and recently another abdominal obstruction surgery to remove a hairball. Without Pets Best, I don’t know how I would have been able to afford the care my cat had needed, and I am so grateful for how easy the process has been, every single time. Before experiencing insurance first hand, I was always worried of claim denials, but every single claim I have had, my coverage has been incredible and I have not had a single issue with any claim. Submitting my claims has also been easy and in the midst of emergency surgeries and the worries that follow, I am grateful to Pets Bets for making the financial stress that much lighter. Again, a huge thank you from me & my baby Pierre. And high, high recommendations. - Zienna
5

out of 5

VETERINARIAN: Urban Pawz Animal Clinic

POSTED: | BY: Leonor

Wellness Benefits Help!

It’s gratifying to care for your pets wellness. Thank you Pets Best for the great benefit options.
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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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