Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 7,171

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.6
  • 3.4
  • 4.5
  • Count
  • 17
  • 122
  • 7,171

Updated: January 26, 2024

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: William Martiez

Excellence

Best dog insurance Excellent
5

out of 5

VETERINARIAN: Bountiful Animal Hospital

POSTED: | BY: Robyn Parlett

Love my dog insurance

Pets Best is an awesome pet insurance company. I've never had pet insurance before, so I read reviews and shopped around. I just had a feeling with this company and so I went with them and I am happy I did.
5

out of 5

POSTED: | BY: Patricia Sullivan

Reliable and best prices

I am so happy with Pets Best. I did a lot of research when I got my pup and have been very pleased. I went with a $250 deductible and the Wellness basic we have used it every year :-). My doggie has periodic garbage gut, she's had surgery, bite wound and other wound from running through the forest, eye infection etc. Each claim was processed efficiently and exactly to the contract. Paid out 90% to my checking account or applied to my yearly deductible. Periodically, I get quotes from other outfits and I believe I have the best coverage for the lowest price. I just got a quote from Embrace for $79/mo. Mine is now $52 up fro $46 but she just turned 5 years old. I can't understand how these other companies have higher ratings when they are all much more expensive and have less coverage. Oh well, I feel fortunate to have them.
2

out of 5

POSTED: | BY: Annamaria Brudzinska

Declined reimbursement for dental surgery

My dog, Casper, broke his tooth and needed extraction. I took him to a low cost clinic, where unfortunately they do not itemize surgery costs. They have COHAT package for every oral surgery, which PetsBest doesn't reimburse stating it is a routine cleaning. IT WAS NOT in our case! If it was just COHAT, I would understand, but he had a trauma resulting in a broken tooth, and whether I liked it or not, the COHAT was a part of the surgery. I wanted to be nice and went to a much cheaper clinic. Next time I will have the surgery at my regular vet, where the price is at least twice as much, but they itemize every single thing.
5

out of 5

POSTED: | BY: Kathy Holland

Pets Best Insurance helped me save my beloved Doberman's life!

I rescued a Doberman 9 years ago and when I decided to get Health Insurance for him I signed him up for Pets Best. He had minimal health issues until 2020 when, out of the blue, he bloated. I was aware of the symptoms of the potential life-ending bloat condition and when he showed some symptoms late one night, I took him to the closest 24 hour Emergency Vet Clinic. When the Vet advised his stomach was twisted, he needed emergency Surgery and it was going to cost, I interrupted her and said "I don't care what it will cost, please just save his life". I had Health Insurance with Pets Best, the emergency Surgery saved his life and Pets Best paid for a large portion of the Bill. They have always been responsive and quick to pay for submitted Claims. As my Doberman has gotten older, the yearly Premiums have gone up which makes sense. Pets Best is always willing to talk with me at Premium Due time and discuss potential options to help lower the premium cost. I highly recommend Pets Best, they have helped me take care of my beloved Doberman ever since I signed up with them. I have recommended them to several friends who are also very happy with Pets Best.

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.

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.
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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