Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,196

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.8
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 7,196

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: Amber Nieland

Pets Best is the Best!

I cannot say enough about this company- they have always paid in a timely manner, and I have never had to dispute claims made on my dog (something that cannot even be said for my own health insurance!!). My dog had the same stomach issues for 5 months straight. I was scared they were either going to drop me or stop covering repeat issues, but they didnt. They are a company that truly stands behind what they say they are going to provide! My vet also highly recommended them!

out of 5

POSTED: | BY: Cheryl Pia

Absolutely love this company!

I've always been skeptical of pet insurance companies as I've been told for years that they never really pay when you need them. Because I have two large dogs, however, I carried the insurance for 3 years just in case. Recently my 6 year old labradoodle tore his ACL and required surgery (very expensive surgery, I might add) and I'm happy to report that not only did Pet's Best pay 80%, but they processed my claim in 2 days. I couldn't believe how quickly I received payment! I can't say enough good things about this company, and would strongly recommend them to everyone.

out of 5

POSTED: | BY: Joyce

Very Prompt and Easy

My dog was recently diagnosed with cancer and has been receiving treatments, many of which are quite expensive. When reading that my insurance would cover 80% of "reasonable and customary" charges, I figured I would receive less than 80%. Not with Pet's Best. They have promptly paid the full 80% of all charges, except some minor hazardous waste fees. There have been no arguments, no asking for further information. The claims process is easy and I have received my refunds within 10-14 days. Even better, they offer direct deposit so no waiting for checks. I highly recommend them!

out of 5

POSTED: | BY: patrice conboy

By Far the "best" insurance payout

I have a 8 year old Yorkie who has had no health problems. I purchased insurance over the years from two different pet insurance companies and have had nothing but problems. With bogus payouts that were not even worth my time of submitting the claim to the most rudest employees i have ever dealth with. A friend gave me Pets Best insurance and i figured what could i loose i will try them. Well after being with Pets best for 4 months my little yorkie got sick. Unknown what was making him vomit, itch and be very lathargic. The bills kept adding up along with the hospital stays for him and all the testing. After changing vets multiply times they finally found it was a parasite. My bills were up in the $4000.00. Now it was time to see if this Pets Best insurance really would do what they said it would. I downloaded the form, coompleted it and faxed it to the number on the form. 3 HOURS Later I had a confirmation saying that my claim was being reviewed. Two days later an email saying that they needed to get some more records and by the 5th day a check for 80% was sent to me. YES THATS WHAT I SAID 80%. They covered exactly what they said they would with no hidden clauses (about up 80% of the allowable cost) The Customer Service people are so nice and very helpful. One employee is nicer then the other. I have called and asked questions and they are always willing to go above and beyond to help me. WHAT A GREAT PET INSURANCE place this is. Do not go anywhere else f

out of 5

POSTED: | BY: Aileen

Love Pet Best

My airedale has some health issues -allergies & last summer she had pacreatitis last summer. The treatment was expensive.Having this insurance was a life saver.They processed the claim & within 10 days I had received my check..the process could not have been easier. The customer service is wonderful & filing the claim was simple

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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