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: Laura Peck

Expeditious claim service

To date, services have been very good. Website allows easy access to file a claim, and reconciliation of claim has been quite efficient.
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5

out of 5

POSTED: | BY: Cameron Sells

Pets Best was the best for my frenchie!

Pets Best accepted and processed my claim quickly, gave me a thorough and clear explanation of my benefits, and paid out a larger sum than I honestly expected to recieve for my furry little friends surgery. I sometimes wonder if pet insurance is worth it, but not after this one. Thank you Pets Best!
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1

out of 5

POSTED: | BY: Alex

Just a money grab

Took my dog to the vet for her limping, which was covered under an old policy through my job. Decided to get a new policy directly through pets best and brought to dog in to the vet pay the bill submit the claim and it gets denied, with them Saying cause was a prior condition after talking to my vet. My only complaint is that they treated my dog under an old policy but because I started a new policy to save some money they are denying it. My honest opinion unless you absolute need insurance don’t get it you pay all this money to them and when you need it they look for any way possible for loop holes to deny the claims.
1

out of 5

POSTED: | BY: Anne Lombardi

Pets Best Looks for Excuses NOT to Pay Claims

Several charges for my pet's annual visit were denied due to fact that the visit was 3 days earlier than 1 year from last visit. I was told that my renewal date for the contract was 6/14/26 and her visit was on 6/11/26. (I was going to be out of town for 2 weeks and didn't want her heartworm prevention shot from expiring). They also refuse to pay a covered charge "Fecal Test" since the vet bills this as a "prepaid charge" (when they provide container to be returned with fecal sample for testing). Strangely, they covered the annual visit charge. I requested to be transferred to another senior representative and was told by the representative Norma that there was no supervisor above her to discuss this issue with. Pet's Best appears to be looking for ways not to make payments so I have cancelled my policy and will seek other insurance for my pet.
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5

out of 5

VETERINARIAN: Plymouth Veterinary Hospital

POSTED: | BY: Marisa

Happy Customer

I am so happy with the service I've been provided over the last almost 10 years with my dogs & Pets Best. We haven't had any issues and the claims are processed very quickly. I recommend pet insurance and this company to any and everyone. My eldest dog has had a knee replacement, gets arthritis injections, and gets chronic ear infections so safe to say we have a lot of claims & it's an easy process.
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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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