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: Ryan Carlisano

Don’t recommend

I like they have unlimited options but so far haven’t had a good experience with this company. Response times take forever on claims and then it seems like no one is actually working there or listening. I emailed in 3 times explaining my dog didn’t have 12 months of records they were asking for as he was just adopted from the shelter and all emails went ignored and then they just closed out the claims. I had to resubmit everything and then this time around it went through. I used a another company with my previous dog and would have used them again as the process was fast and simple and they seemed to really care but they didn’t offer unlimited to I tried pets best after researching but I wouldn’t recommend them.
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1

out of 5

POSTED: | BY: Debz

Very disappointing

Not only do they keep raising my rates but thier deductible is 250.00 and they add a CoPay that was 90.00 so we received very little once they finished the claim. Ridiculous!
5

out of 5

POSTED: | BY: Michele

Excellent service

Thank you so much for handling our claim. Pets Best has always been so professional and trustworthy on what they offer. In the time of unexpected circumstances, they are there to provide coverage for our service dog Canela. Thank you much once again
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5

out of 5

VETERINARIAN: VCA Animal Hospitals

POSTED: | BY: Bruno

Outstanding support during the hardest time

Pets Best was truly phenomenal during one of the most difficult moments of my life. Sadly, my dog passed away, but throughout everything, they were incredibly supportive, compassionate, and professional. They helped cover the costs of multiple surgeries and vet visits, which made an overwhelming situation so much more manageable. The claims process was clear and fair, and their support gave me peace of mind when I needed it most—allowing me to focus on my dog instead of financial stress. I’m deeply grateful for how Pets Best handled everything with care and respect. I highly recommend them to any pet owner looking for reliable insurance and genuine support when it matters most. Thank you, Pets Best, for being there when it truly counted. ❤️🐾
5

out of 5

POSTED: | BY: Wendy

Pets Best IS a wonderful insurance

"It was not an easy decision to pick insurance for our young dog that we got 1 yr ago. There are so many different companies and reviews...bad and good. I called my vet and asked what insurance they found that their pet customers like best. And it was Pets Best Insurance. So I went on the site picked exactly what I wanted and I did get the "pricier" policy, but it included so much more! So the 1st time i was nervous submitting the claim online. . ..wow...super easy and within gosh maybe 2 weeks(maybe less) the amount owed to me what directly deposited into my checking account! Very happy with what I have for our now 3 yr old girl! "
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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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