Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,332

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.3
  • 4.5
  • Count
  • 27
  • 130
  • 7,332

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: J. Kundla

Very nice to have.

Pets Best Insurance provided the extra coverage I needed to ensure that my dog Lucy got the best care through the last year of her life. After being diagnoses with the onset of heart failure, Pets Best made it possible for me to give her a great quality last year of her life. Her policy covered a large amount of vet visits and procedures as well as her mounting medication costs. Claims were easily submitted and processed quickly. I would recommend Pets Best to anyone who has a pet that they care dearly about. It was a great comfort when Lucy fell ill.

out of 5

POSTED: | BY: Judy

Best Thing I Could Have Bought For My Dog

I would recommend Pet's Best Insurance to every pet owner. We have owned dogs for 40 years and bought the insurance for the first time for our rescue Rocky Dog who is part border collie. Rocky has been to the emergency vet twice in less than a year because the first time he found a rotten salmon by a river bank and the second time he opened a "child proof but not dog proof" bottle of Rimidyl that was for his sister dog and ate the bottle of pills.I submitted the claims to Pet's Best insurance and both times they responded quickly and reimbursed me without a question. I wish our medical insurance was that efficient.

out of 5

POSTED: | BY: Monica Schrager

They've Never Let Me Down

I've been a member for a number of years. I got PetsBest on the recommendation of a friend's sister who is a dermatologist vet who I was considering taking my cat to when she had some skin issues. She recommended PetsBest because of their coverage for specialists. I ended up participating in a trial with her so didn't use PetsBest with her but it has definitely paid off over the years as my cats have gotten older and suffered various (expensive) illnesses such as triaditis (inflamed liver, bowel and pancreas), skin cancer, various UTIs and thyroid issues (including quite a few trips to the emergency vet). Each time PetsBest has paid the maximum 80% and clearly explained the costs including the deductable, which is per issue so if there are multiple claims for the same thing, you aren't paying the deductable each time. When I've had to call they've been helpful and courteous and genuinely seem to care about making sure I have the right plan and all the information I need. I'd highly recommend them to anyone looking for a good pet insurance policy.

out of 5

POSTED: | BY: Joyce

Quick & accurate claim processing!

I was pleased to see that Pet's Best lived up to it's promise to process claims quickly. We received a check for the expected amount within two weeks of faxing the claim. Our insurance made it easier to decide to proceed with testing when Cassi developed a high fever.

out of 5

POSTED: | BY: kclynn

Very Glad I had this policy

I have 2 dogs, one only eats her food, the other eats anything that will fit in her mouth. The first time she needed surgery to clean out her digestive track, we had no Insurance and it cost us 1200.00, after that I was not taking any chances and did some research and found Pets Best and signed them both up. Well she messed up her stomach again, but this time she did not need surgery, but her vet bill was 822.00 and I was more than happy to pay 144.40 and not the total bill. I will never have any of my animals uninsured again. Pets best turn around time is great and now that you can do it on line makes your check arrive even faster. I have recommended Pets Best to many of my friends, this ins. is affordable and pays for itself if you have one sickness or accident, I looked at many different policies and Pets Best gave you more bang for your buck.

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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