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


Foreign-Body Surgery Claim A Success

This is the first time I have purchased medical insurance on my pets. Gracie is my treasure and I did not ever want to have to make a sad decision based on having to spend money on vet care. She is less than 1 year old, but when she developed an infection, it turned out that a seed, a foreign body had migrated (perhaps introduced by biting on sticks) and lodged above her right eye. Pets Best covered $75 of the surgery and medicines (the entire claim was $192 with a $100 deductible). Given the severity of the situation, it could have definitely cost more. This helps me to see that should something even more serious happen, she has a good plan that instills confidence in me. If you are shopping for coverage as I was, remember that certain limitations apply after your dog is one or two years old! So getting insurance the earlier the better will save you money and allow you to use it should hereditary breed problems arise. PetsBest costs me 20.01 each month for her (that's the price of lunch) and is underwritten by Aetna, a national company with a good reputation. I did not select the Wellness options since spaying and shots were a given but I wanted to protect her from expensive unforeseen care. Other plans were quite a bit more. This seemed like the best value that offered Illness coverage in ADDITION to Accident. I plan to keep PetsBest on her as long as I can, who would have known she would have been using it so soon? She is a woodsy girl who loves to play outside and sticks

out of 5

POSTED: | BY: Diana

great choice

I got insurance for both my boys. Vet thought it was a good idea. After researching I selected Pets Best. Affordable, easy to work with and lots covered. Best of all we have piece of mind.

out of 5


Saved Zelda's life

Zelda, our German Shepherd puppy was our first family dog. Naturally when she beacame ill it was very heartbreaking to the whole family. My 12 year old son cryed everyday she spent in the hospital. If it were not for Pets Best, we could not have afforded the care that she required. Pets Best saved our puppy. I will never have a dog without having their protection.

out of 5

POSTED: | BY: David Feldman

Very Happy for the Money

I currently have 10 dogs insured under Pets Best. I have very quick claims reimbursement and the customer service has been excellent with one exception that was correctedFor the money, they are well worth it. I would like to have better coverage but right now, insuring 10 dogs with the current policy seems to work. I have 6 Dobermans, and 4 other assorted mixed breed dogs, 4 of the dobermans are albinos.

out of 5

POSTED: | BY: Hannah and

Outstanding Coverage & Claim Settlement

We have had pet insurance on our Great Pyrenees and two Bichon Frises for over 14 years - the past 6 years with PetsBest. We have had tremendous medical expenses with our Bichons but the coverage we have with PetsBest has greatly helped with these expenses. They cover everything promised, no hassle in charges, services, claims settlement and their reimbursement checks normally arrive in the mail before our American Express statement arrives. We love our little girls as we love our children and grandchildren, have always provided them the very best in their lives including veterinarian care and are very appreciative to have their health insurance through such a superior company. We have recommended PetsBest to all of our friends and can not recommend PetsBest highly enough to everyone.

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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