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. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 5.7 6.7 9.1
Count 40 249 6740

Pets Best Pet Insurance Reviews

1
Out of 10
Posted: 02/26/2021
By:
Dan
Suh

They have a 14 day waiting period, my pup got a procedure at 15 days, and they used the 14 day excuse to not pay. It also took a month to get any response.

Injury/illness
Claim Amount
Breed

Mixed Breed Small (10-20 Lbs)

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 02/21/2021
By:
Jill
Carbone

Pets Best has a straightforward model where they pay 80% of a claim after the deductible. I had several incidents with my 100+-lb dog from when he was 2 (emergency surgery to remove an ingested foreign body) to 10, when he underwent palliative treatments...

Injury/illness
Claim Amount
Breed

Mixed Breed Giant (90 Lbs +)

Age of Pet
1 - 8
1
Out of 10
Posted: 02/21/2021
By:
Britta
Conlon

Borderline a scam to get loving pet parent's hard earned money, while actually covering very little. PLEASE PLEASE read every fine print and ask questions! Do not assume anything. This company will not cover ANYTHING related to a pre-existing injury or...

Injury/illness
Claim Amount
Breed

Boxer

Age of Pet
1 - 8
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

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

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.