Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,143

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.
5

out of 5

POSTED: | BY: Rosendo Ortiz

Sickly Fur Baby

We have a sickly fur baby; she has allergies, chronic ear infections, GI issues, to name a few. Pets Best has been Outstanding‼️ Their claims process is Super Easy and Not Once have they questioned nor denied any of our claims. THANK YOU Pets Best for your amazing customer service, your support/assistance but Most Importantly, Your commitment, dedication and Compassion towards our Pets!!
5

out of 5

POSTED: | BY: Rhonda Hoffmann

Much improved

I feel waiting times for a claim to be processed is much quicker than in the past. Filing a claim is easy and only takes a couple minutes which is great. I love that the claim proceeds go directly into my bank account making the process streamlined and efficient.
5

out of 5

VETERINARIAN: Pocoshock Animal Hospital

POSTED: | BY: Kenneth Demarest

Willow’s Homecoming: A Story of Trust, Tenderness, and True Support

When I first laid eyes on Willow, she was an 18-month-old Chiweenie—abandoned, uncertain, and weighing just 11.8 pounds. Her eyes held a quiet mix of fear and hope, and though she was apprehensive when I arrived to take her home, something in her spirit told me she was ready for a new beginning. The SPCA had spayed her while she was still in heat, which made her recovery a bit slower than usual. But I was there every step of the way, reassuring her that she was safe now. I took her to our trusted family vet—someone I’ve relied on for over 11 years—for a full wellness exam, suture removal, microchipping, and her leptospirosis vaccination. No hospital stays, no emergencies—just a gentle transition into a life she’d never known before. Willow didn’t just settle in—she flourished. With each passing day, she grew more confident, more playful, and more affectionate. She now weighs a healthy 17 pounds and greets each morning with excitement and joy. She knows she’s home. She knows she’s loved. Throughout this journey, Pets Best was there—not because of a crisis, but because they understand that every step in a pet’s life matters. Their claim process was smooth, transparent, and refreshingly human. I submitted everything from Willow’s initial vet visit, and they handled it with care and efficiency. It wasn’t just about reimbursement—it was about reassurance. Knowing I had their support allowed me to focus entirely on Willow’s comfort and transition. Pets Best didn’t just cover a claim—they helped affirm that Willow’s new life was off to the right start. Their compassion and professionalism made me feel like I wasn’t alone in this journey, and for that, I’m truly grateful. Today, Willow is thriving—chasing squirrels, curling up beside me after long shifts, and reminding me daily that love, patience, and a little help can transform a life. She’s not just a rescue. She’s family.
5

out of 5

VETERINARIAN: Piper Glen Animal Hospital

POSTED: | BY: Penny

Great Service

I've been a customer for a few years. The service has always been very good. They are super responsive to any questions.
5

out of 5

VETERINARIAN: Local Veterinarian

POSTED: | BY: Douglas Hofacker

Pets Best Insurance

I have had my dog and cat insured with Pets Bests Insurance now for two years. They are always very quick at processing claims. I would highly recommend them.

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.

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