Pets Best | Pet Insurance Review


out of 5

Number of reviews 10,456

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.0
  • 4.5
  • Count
  • 22
  • 94
  • 10,456
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


claim review too long and unfair

I continue to be disspointed with the service.They reject claims as pre-existing without further info/documentation. When I wrote and asked that they support their claim they simply never responded. I hear that the AKC offers a good program and I will look into it.

out of 5

POSTED: | BY: Christina

Easy to work with, great customer service

I have our 2 boxers insured with Pet's Best. So far I had two claims and both were paid without any issues. I did not use their coverage for things like shots or teeth cleanings but their plans for surgery and accidents worked great for us. They offer monthly payment plans and discounts for more than one pet. I was with VPI before and the issue there is that they use a list of standard cost for services. IF your vet charges more you don't get your refund based on actual cost. I was able to chose the vet and service I want and they have not let me down. I'd give them a 10 if they would offer some kind of refund if you don't file a claim for the whole year but I guess that is wishful thinking and does not happen with any insureance...unfortunately.

out of 5

POSTED: | BY: Disappointed

Waste of money

we found out our dog had a luxating patella on an annual check-up. He is two years old. There was no sign of this on any prior visits. Our vet told us that it occurred from trauma. We sent in the claim with every record required. They automatically ruled it as congenital. We ended up speaking with a rep. from pets best several times to better understand how it could be congenital when it the vet clearly ruled it as happening from trauma, as well as his records showing no sign of it prior to that date. This took forever. They wanted more and more information- we even had the vet right to them. We decided to appeal the decision as recommended by a rep. from pets best. We had to get x-rays of both legs for them which is very costly! They promised us that we would find out their decision by a certain date. However, a week after said date we still did not here anything. So we began having to consistently call them again. This has been going on since June. We just received the verdict and they denied it again stating that it is congenital. They proceeded to tell us that we should process a claim after has had the surgery and we have paid for it! Unbelieveable!Not only this incident but every time I send a claim in for any shots, check-ups, etc. they will not compensate us. Basically we pay every month for nothing. When we joined we recruited many of our friends with pets to do the same. Since this has all happened, they have cancelled their policies and we will do the same. Our vet has also told us that he also hears very negative comments about pets best from clients. I DO NOT RECOMMEND PETS BEST!!!

out of 5

POSTED: | BY: Paula DF


I took out policies for our six cats, and I thought I was signing them up with a company that would pay on eligible claims. I've learned that this is not the case. One of our cats got a urinary tract infection, and then she had a life threatening violent reaction to the antibiotic I gave her. We rushed her to the emergency vet clinic which was over 45 miles away at 1 a.m., all the while praying that she would hang in there until we got there. It was a very frightening experience and I was thankful that I had signed her up for insurance a few months earlier so that the expense was one less thing I needed to worry about. I was confident that she would be covered, after all, the Pets Best web site states that once a urinary infection has been cured, it is no longer considered a pre-existing condition. Her last infection was over 6 months ago, and after being treated for it, she had a culture done that showed she had been cured. So imagine my surprise and anger when Pets Best denied my claim, stating that they considered it a pre-existing condition! I couldn't believe it!!! And then they ignored the first four emails I sent to them when I asked for an explanation. I will be filing a complaint with the Better Business Bureau tomorrow.

out of 5

POSTED: | BY: Sandy

Pets Best Is Wonderful

I have been very happy with Pets Best for the last 3 years. They were able to cover my 10 year old Akita for a low premium (many plans will not accept a senior pet) and I never had any trouble getting timely reimbursements. I now have 2 Akita puppies under the plan and am quite thankful as I am having to bring both of them to the vet today.

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

Waiting periods are based on the effective date, usually the day after enrolling: 14 days for illness claims 3 days for accident claims 0 days for routine care


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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