Pets Best | Pet Insurance Review


out of 10

7004 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.6
  • 5.5
  • 8.9
  • Count
  • 7
  • 133
  • 7004
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.

out of 10

POSTED: | BY: Edin Zecena

Deny Deny Deny

I booked insurance for a piece of mind and clearly I should've just told my self no and gone with a different provider. All Im getting from my claims is deny deny deny deny and Im under unlimited insurance package. Hoping my next claim doesn't get denied, none of my 4 pervious claims have even been applied to my deductible which means at end of year given my pet is in good health I still have to pay. I was better off with Liberty Mutual they actually process claims in a timely manner not wait month and a half to deny you like PetsBest and Liberty Mutual calls you with an explanation as to why it was denied. ALL IN ALL LEARNING EXPERIENCE THANK YOU FOR SHOWING ME WHAT I DONT WANT IN PET INSURANCE.

out of 10

POSTED: | BY: Karen Kilmon

We would not have our LuLu if not for Pets Best

We would not have been able to afford the expensive diagnostics and management of her ongoing IBD/CCE. Pets Best has been wonderful. Easy to file, good explanation of benefits, timely payment on claims. Their policies are very clear on coverage perimeters and several options on deductibles/premiums.

out of 10

POSTED: | BY: Brian Worthington

Pets Best is worth it

The claims process was easily made on my I phone. The reimbursement came in a timely manner. Pets Best kept me informed during the whole process of the claim. They reimbursed exactly to what the contract specified. Happy with them.

out of 10

POSTED: | BY: Allison Stepp


We called this company to change over billing information as we had taken over my brother's dog after he had passed UNEXPECTEDLY. They gave us {his family} the only option to buy a whole new policy in which everything that was covered on my brother's policy would no longer be covered & gave us the excuse that their policy states needing a POA to take claim over the ownership of Oberon {we have access to his app, his policy, declarations page as well as his renewal paperwork & NO WHERE does it state needing a POA or paperwork stating new ownership of the dog to take over an existing policy}. Oberon is only two & ½ but has had many issues that were covered by this policy & not having access to it & starting a whole new one would then have us pay for everything out of pocket making the policy literally useless because of some lie they pulled out of thin air to gain a new policy over helping a helpless animal who had NO CONTROL OVER LOSING HIS DAD. Such a heartless company full of lies & excuses & not fulfilling their duty to the animals they supposedly claim to care for.

out of 10

POSTED: | BY: Susie Cunningham

Will not pay claims

I have had pet insurance for over 22+ years for my rescue dogs. I got a new rescue dog and decided to try out this company since it had a high internet rating. I, very stupidly decided to change pet insurance companies to Pets Best Insurance. Do NOT waste your time or money on this company. They will not pay out claims even though it very plainly states what they will pay out on their Internet site. Once you sign up and submit a claim, then you get an email back stating that it will be "40 days" before expecting payment. My other pet insurance company paid within 3 days of submitting claims and was excellent on paying out. This company makes up all kinds of excuses as to why they won't pay. I had to personally go to my vet's office and get all the documentation to prove the diagnosis. They would not even pay out on their wellness benefits. DO NOT GO WITH Pet's Best Insurance Company!!!

Monthly Cost

$6 and up, depending on your chosen plan.


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.


$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

Waiting periods are based on the effective date, usually the day after enrolling:

14 days for illness claims

3 days for accident claims

0 days for routine care


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.  

Get a quote today

Leave a review