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

POSTED: | BY: Carolyn Maxwell

They are the best!

Pets Best has paid two claims for my dog. One was an emergency and they paid over $3000. The other was minor but again no problem with the coverage. In comparing plans, they seem to be the most comprehensive.

out of 5

POSTED: | BY: Sarah

No complaints....happy so far

We have 4 pets insured through Pets Best (since March). We recently put in a claim for our cat. I was afraid that Pets Best would not pay a claim because there was no definitive diagnosis after I submitted the first claim. Lots of tests were done and our bill was over $600. The vet wasn't sure if she had a bladder infection or possibly a bladder tumor (ultrasound showed strange findings). We knew we would continue to have follow up appts with our vet. We submitted our claim and Pets Best covered it. They did say that in order for them to accept another claim, they needed a definitive diagnosis. I appreciate that they still paid the first claim. I can understand where they are coming from. Needless to say, we did get a diagnosis. It ended up being an infection and they did pay the second claim as well. The only thing I never understood is that the vet gave our cat an injection for the infection and Pets Best didn't cover it. It was only $20.00 and I'm not sure why it wasn't covered...everything else was.

out of 5

POSTED: | BY: Ben Gates

Better Than Expected

I have had Pets Best Insurance for a while now. I have my two dogs insured through them. One of the dogs has had a number of health issues. The most recent issue resulted in almost 3K in vet bills. Pets Best has always been very good, but I wasn't sure what the outcome of this last claim would be. Well it was even better than expected. While they paid 80% of all the covered charges, I was also not charged a deductable, as they considered this illness a continueing illness from a previous claim. The good thing about them, is that once you pay the per illness deductible, all further claims on that same illiness or injury do not require you to pay another decuctible no matter how many times you have to have your animal treated. They are the best.

out of 5

POSTED: | BY: Anne S

Poor Experience

We've had Pets Best for over a year now and they are extremely difficult to work with. They're customer service is terrible (don't return phone calls, can't explain the process well, etc) and they claim everything is preexisting. We are currently looking for other another company to insure our cats.

out of 5

POSTED: | BY: Lucy Rupert

Just another pet insurance company ...

There is nothing outstanding about Pets Best. I've had my 2 dogs insured since I've had them (2 years). Seems like I might have made the wrong decision when I chose Pets Best. I have given them several opportunities to "help" me want to stay a customer - but each conversation with them is friendly yet ineffective. I like the simplicity of their plan - it's pretty straightforward about percentage payout, you get to use your own vets; but - they seem to be "overloaded" with paperwork and behind the 8 ball. I originally faxed my claims to them on 8/21 and got a fax confirmation. There is no where on their site detailing the procedure for handling claims. The only thing I could see is to wait 10-15 days for processing. Apparantly, once you call they tell you that you'll receive an email confirmation once it has been received. I wished I could have read that on their web-site ... It would have saved me 2 weeks of waiting patiently. I emailed my claims in again, expecting the email - and that took over a week to get. Despite my calls to check that they've been received. So now it's 3 WEEKS later and I still can't get a real confirmation that my paperwork has been received. WEEK 4 - I finally get the emails that they have processed the claims - and most were correct, except one. So when I call again - I am told I have to file an appeal. They just left charges off - so should I refile those charges? or file an appeal and wait ANOTHER month to hear back about the appeal. What if they tell me then that I have to refile the claim because they left off some charges. Is that going to take another month to refund??? SHOULD IT TAKE THAT LONG TO GET RESOLVED?

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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