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: Tanya E


I submitted by fax on Wednesday my claim for my puppy's 4th puppy shots, I received an email on Thursday to confirm that they received the fax and it was being processed, on Friday I received another email with the EOB attached along with them telling me that the reimbursement would be submitted to my bank the next day. Your customer service is excellent, and the phone call I received from you welcoming me was very nice, and when I did call the customer service rep. she was extremely nice and helpful.

out of 5

POSTED: | BY: Julie

Pets Best is THE best!

I have insured four pets with Pets Best over the years. First of all, I find the premium reasonable. Secondly, I have filed several claims over the years, and the responses were quick and covered the 80% after the deductible. Very kind and competent customer service representatives, too. I can't say enough good about this company! I have enthusiastically recommended them to my friends. No need to look elsewhere for insurance.

out of 5

POSTED: | BY: Tracie

If only they had human insurance as good as this!!

Not only has Pets Best always turned claims around in speedy fashion, but now they will almost immediately DIRECT DEPOSIT your reimbursement - either into your bank account or back to your credit card. So you get repaid weeks before your credit card bill even comes - or your bank statement. I just had an ACL repair on my older Weimaraner and we had terrible bad luck - a soft-tissue infection developed 2 days after the suture removal, so Scooby Doo licked open the wound and had to have it all restitched. Then the metal plate actually broke in there - rare & without explanation but requiring a whole new surgery and replacing the metal plate with a larger one and 8 screws instead of 65 screws. And these screws range from $63 to $83 PER SCREW. You can only imagine my gratitude and relief that after the very first $100 deductible Pets Best has fully paid 80% of every single bill - poor Scooby has to suffer the physical pain, but at least I don't have a financial catastrophe on my hands. It's a godsend that not one charge has been questioned - the money was back in my bank account before i could even feel the full pain of paying it out!

out of 5

POSTED: | BY: stacey

no thanks

even though my dog was diagnosed with diabetes in august (which was after my 2 week waiting period) they denied the claim because he has a pre-existing kidney issue that has absolutely nothing to do with his diabetes. Insurance is the same all the way around.....Its all a scam. Thanks for wasting my money and time.

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.

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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