5
out of 5
POSTED: | BY: Christopher Hewitt
Good
Good, reliable
Read more on Trustpilot
4.9
out of 5
Number of reviews 14,171
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.
1
out of 5
POSTED: | BY: Toni Mann
Took an extremely long time to…
Took an extremely long time to process...still not complete.
1
out of 5
VETERINARIAN: Pacific Animal Hospital
POSTED: | BY: Janelle Bode
Pets Worst Insurance
This company is a complete SCAM, they don’t answer the phone EVER, DON’T respond to emails after the first claim and deny EVERYTHING! Don’t bother falling for the bs advertising you see, it’s just that BS! They take you $ and tell you to read your EOB. Contact California Board of Insurance and NAPHIA to have them investigated so they can be shut down! They’re robbing people blind.
1
out of 5
POSTED: | BY: Jill Anderson
I should have read trustpilot before signing up
I should have read trustpilot before signing up. My biggest beef was that this company is impossible to reach! I had to call them to fix something on my policy. After many, many phone calls at various times during the day, I finally realized no one was ever going to answer. Each time you are told your call will be answered in 30 to 40 minutes, but at the end of 40 minutes the call disconnects. No customer service means a lot to me. There is 0 here.
1
out of 5
POSTED: | BY: Teri
Canceling my coverage
I have had Pets Best insurance for 2 dogs for 4 years. they were puppies when we got the insurance. started at $ 60 a month for accident and wellness coverage NOW over $ 90 ea ch. monthly. No accidents just wellness has been turned in for reimbursement. Since Oct 2025, their website is broken. You have to call and wait a minimum of 25 to 45 mins for a live person to discuss how to submit your annual wellness claim. They are polite and give you a no answer answer why the you can't submit your claim. I am cancelling at the end of this month and getting insurance someother place.
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 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.