Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,317

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.9
  • 3.3
  • 4.5
  • Count
  • 22
  • 124
  • 7,317

Updated: January 26, 2024

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: Maya

Fantastic service!

My dog has a better insurance company than I have! The website is very easy to navigate. I love the paperless process and resources. This is a great business model and you are doing a great job. Very quick turnaround on claims and the direct deposit reimbursement is fantastic. Thank you.

out of 5

POSTED: | BY: Michelle Morelli

I don't get it

They don't cover congenital conditions at all and coverage for hereditary conditions is only for pets less than 2 and that is limited. Why would any thinking person purchase this policy?

out of 5


I LOVE these guys!!!

You are absolutely the BEST!!! Anyone with pets really should be part of your family.Your service just keeps getting better and better! The direct deposit is an outstanding option. I am so happy to have my pets in your hands. Gratefully, Dee, with Kai, Halia, Bailey and Gracie

out of 5

POSTED: | BY: Janet

Will NEVER be without it!!

After having lost one of our dogs,who we always consider one of the family,due to the fact that we could not perform multiple tests to determine what was wrong with her and had to put her to sleep...I will NEVER again be without pet insurance!! I feel horribly guilty to this day and it was five years ago. We have one of her puppies who is now a twelve and a half year old springer. A year and a half ago he had to have a squamos cell cancer removed from inside his lip and 16 treatments of radiation. Eight thousand dollar occurance!! We were able to do it because we paid each treatment by the week and Pets Best reimbursed us so quickly that we were able to keep up. Now he has a torn ACL in one knee and has been getting water therapy but will most probably end up with surgery because it won't heal on its own. Pets Best is extremely affordable, fair and timely. I can't recommend them more highly. I feel so strongly about them that I carry their pamphlets around in my glove box of my car so I can hand them out to others that so love their pet too. A MUST HAVE!!!!!

out of 5

POSTED: | BY: Andrew

Peace of mind

Four claims in 1.5 years for my wonderful but orally fixated Golden. All claims paid (80/20 with $250 deductible) within a week or so of making the claim. Very simple process for submitting claims too. I pay $40/month, worth every penny. Quick turnaround on any customer service questions.

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

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.


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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