Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,922

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.
2

out of 5

POSTED: | BY: jina valentine

look elsewhere.

not much is actually covered. multiple requests for paperwork and long processing time. the website has errors when uploading. the chat function doesn't actually work because the help desk is understaffed which also means it takes forever to get through to someone when calling customer support. we're in the process of switching insurers.
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1

out of 5

POSTED: | BY: Alicia Toro

Do not make the mistake of hiring this…

Do not make the mistake of hiring this insurance company because once you get a claim, it’s pre-existing and you’re screwed with another insurance claim because it would be pre-existing and wouldn’t be covered. This is the worst Insurence Company ever they lie to you. They tell you one thing and it’s another and then you have to call call call there’s always technical problems. They tell you something is covered and it’s not and then it is covered but they make you wait till the end like if you buy packages for rehab and then they deny them all after they say that they’re gonna approve them. They are the worst Insurence Company ever.
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5

out of 5

POSTED: | BY: Sue C

The ease of submitting a claim

From the time I submit a claim to the time I receive the EOB for the service is incredibly fast. I can appreciate that so much. They also have an incredible customer service staff
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1

out of 5

POSTED: | BY: Darla

Terrible experience

Terrible experience. Don't waste your money. We have never had pet insurance before… And after dealing with Petsbest for 7 months and getting all types of excuses and denials (and then told I'm only halfway to meeting the $500 deductible)...I canceled.
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1

out of 5

POSTED: | BY: Chris Pierdominici

Terrible vendor. Website and app down since Nov 2025

I've had Pets Best for over three years now and when finally seeking to get reimbursement for coverable elements of my dogs annual checkup, found both their app and website are not only down, they've been down since November 2025! This is ridiculous in this day and age. Have been trying for a solid week to reach them through their phone line to no avail and now will have to file through email. Suffice to say that I will be canceling my plan after this. It's ridiculous to pay $720 a year for insurance that I cannot get assistance
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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 Pet Insurance detail
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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