Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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.
4

out of 5

POSTED: | BY: Heather

Reimbursed what I expect

I always get reimbursed the amount I expect. Which is great. What is not so great is that their portal (app or website) for submitting claims hasn't been working for months. It takes an extra 2 weeks to process a claim when submitted via email since there is such a backlog. Please fix this.
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5

out of 5

VETERINARIAN: Friendswood Animal Clinic

POSTED: | BY: johnathon

Pets Best Claims Process - Positive Experience

I had several claims due to an illness that I submitted over a period of about 3 months. In all cases, the Explanation of Benefits came quickly, was well explained and matched exactly what I expected based on my coverage. My only quibble is that I was never able to successfully file a claim online or by using the app. However, the e-mail claim submission was straightforward and not particularly cumbersome.
5

out of 5

VETERINARIAN: Junaluska Animal Hospital

POSTED: | BY: Billie

Pets Best Satisfied Customer

"My dog has masticatory myositis which is an auto-immune disease. The treatment is prednisone. Right now she is seen monthly to adjust dosage per her improvement and, luckily, she IS improving. We're hopeful that we can discontinue prednisone altogether soon. It is easy to file through Pets Best and they keep me abreast of status if things seem to lag behind, and they always come through. The lab test to confirm the disease was extremely expensive and the ongoing checkups and medication costs add up. Pets Best has done a lot to alleviate those expenses. Hurrah for Pets Best Insurance."
5

out of 5

VETERINARIAN: Advanced Veterinary Care

POSTED: | BY: Gary

This was the best purchase for my dog.

I had Pets Best ins. since my puppy was a young pup. I did not have to use the ins. very often, but on a late night in November of 2025 I had to. My 3yo was showing signs of distress and I rushed her to our local emergency vet hospital. The Dr. advised me she needed emergency surgery. Knowing I had the ins. I said do what you have to do. I would have done ANYTHING for my girl, but when the clinic quoted me $21000.00 I was a little taken back and if I had not had the ins. I dont know what I would have done. I did not have to get any pre-approval from the ins. I found out that she had an inoperable blood cancer and with the surgery and chemo treatments she only had about 6mo. The chemo was started and every bill I submitted was not questioned or refused. It was a complete relief. Unfortunately My baby succumb to the cancer only 3 mo. later, but it was 3 mo. longer than had we done nothing. I encourage any and every one to invest in this and Pets Best did GREAT by me.. Thank You.
1

out of 5

POSTED: | BY: Lynda Bragg

You can NEVER speak to a live person…

You can NEVER speak to a live person unless you're willing to wait 30 minutes, not even chat as they don't give you but a few options, and guess what's not one of them? If you guessed cancellations, ding, ding, ding!
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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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