Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,195

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.8
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 7,195

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: Patricia Pierce

Pets Best, you're the Best

My dog, Bentley, a four year old toy poodle/bichon mix has had ongoing problems because of Immflamatory Bowel Disease and Pets Best has been invaluable in helping with the costs of this illness. Now, he has developed a blood disorder where his immune system is attacking his red blood cells and has caused severe anemia. The Vet costs, along with hospitalization, blood tests and a blood transfusion were extremely expensive. I was very worried about Bentley and knowing I had good pet coverage definitely eliminated a lot of stress. I submitted my bills and was reimbursed in a matter of days. I have highly recommended to my veterinarian, Pets Best Insurance for anyone interested in pet insurance. They were professional, extremely kind and processed the claims in a very timely manner. Knowing they were there for me, was immeasurable while dealing with a very sick dog. Pets Best, you are the BEST!

out of 5


Pretty good insurance

I got Pet's Best when I dropped VPI for my older dog. I wanted Pet Plan actually, but they would not accept him at his age. I liked Pet's Best because they covered alternative care, such as chiropractic and acupuncture and some other things. Then they got a new underwriter and changed this dramatically. Now they will only cover a small amount of that type of care per year. Very upsetting to me. That said they are very nice, have great customer service, fast claim payments and have only denied one claim which was misworded by the doctor and it was such a hassle to fix it that I let it go. Overall I'd recommend it but there are probably better insurances out there now, that did not exist when I got Pets Best.

out of 5

POSTED: | BY: Leanne and

Pets Best is simply the Best

Our Italian Greyhound is extremely petite (7 lbs) and has gone through quite a tough year with double breaks. Pets best really cares about helping take care of animals. They don't claim to cover injuries and then somehow not cover them. I am amazed at how quickly they respond to your claims and process them. They make every attempt to help to make a difficult time easier, the claim form is very easy to fill out, and if you need to contact them they are always there for you to assist in anyway possible. I searched around for insurance and Pets Best is absolutely the best if you own an Italian Greyhound. They do not exclude you just because this breed is fragile. I love Pets Best and owe my dogs recovery to not just Katonah Bedford Veterinary Center, Dr. Hart and his wonderful staff but also Pets Best for helping to make his surgery possible. I will never be without Pets Best or Dr. Hart and his crew.

out of 5

POSTED: | BY: Cheryl

Thank Goodnes for Pets Best

Our dog Bella was attacked by a neighbor's dog and we took her to the emergency vet where she had surgery and drain tubes put in. She healed quickly and is healthy again. Knowing we had the pet insurance gave us peace of mind.

out of 5


Quick service of claim

Chiquita became very ill from eating coins. She needed a blood transfusion before her operation. The people at Pets Best were so kind when I called and their handling of the claim was very prompt. I recommend them to anyone looking for pet insurance.

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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