Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,317

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.9
  • 3.3
  • 4.5
  • Count
  • 22
  • 124
  • 7,317

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.

out of 5

POSTED: | BY: Joyce Giles

Pets Best has been great insurance

Pets Best has been great insurance and reimbursed for my dogs medical issues. I have tried 3 companies and this has been my favorite. This dog likely would not still be with us without them.

out of 5

POSTED: | BY: Cyndy Handley


I purchased this insurance for Luna as soon as I got her home from the breeder. The entire process was very simple and I loved that I could pick a plan to fit my needs for Luna. It’s been a year now and I’ve sent in several claims and they were very quick to respond and direct deposit is the way to go. Highly recommend PETS BEST thank you for helping me keep Luna healthy

out of 5

POSTED: | BY: Jing Huang

Unleashed Frustrations-My Experience with Peter Best

My experience with PetBest’s claim process for my puppy Cola’s wellness care was disappointing. Despite having an Essential Wellness policy, my claim for a Vetco package, Pup Shield Pro, did not cover services like rabies and other vaccinations, fecal exams, and microchipping, which should have been covered. The package was a cost-effective choice that should have benefited both parties. Under the EssentialWellness Endorsement of my policy, I pay premiums with the expectation that preventative care for Cola is covered. What I am requesting is entirely within the reasonable expectations of my policy's provisions and a standard request that should have been easily addressed. Instead, it led to a tedious back-and-forth with PetBest and Vetco, which was frustrating and concerning for the handling of potential future claims. I urge PetBest to consider this as constructive feedback for improving their customer service and claim process, reflecting the integrity and reliability policyholders expect. I just joined Pet Best on March 14 2024, a week later, I’m in the process of find a new pet insurance company. So if anyone has a recommendation, please let me know.

out of 5

POSTED: | BY: Roxanne M

Convenient and Prompt

What made my experience great was that I didn't have to do much. I went to your website, chose my options from drop down menus, and uploaded the invoice from my vet. I thought it was going to be months before I heard back, but it was just a few days.

out of 5

POSTED: | BY: Pat Graham

I was disappointed that my deductible…

I was disappointed that my deductible was taken twice on the same claim. The reason said was that the blood work for the surgery missed the yearly deadline by two weeks. I wasn't aware of the deadline. So out of a claim of over $1100.00 only $200 was paid. I understand about the dental cleaning while the tooth was being extracted wasn't covered. Still felt that the insurance wasn't worth having.

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

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.


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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