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: Tony and

Extremely satisfied with Pets Best

Our 7-year-old Golden Retriever suddenly became sick the first part of October. We had to take her to an emergency pet hospital, our vet, and also to a critical care/internal medicine vet. Needless to say, the costs kept rising. We wanted to do everything we could to help our Golden. But they finally found out she had somehow gotten liver disease and we had to put her down. Pets Best customer service was very helpful and kind and took care of all claims in an extremely efficient manner. We thank them and will be sure to recommend them to anyone with a pet they care about and we have already recommended Pets Best to our friends.

out of 5

POSTED: | BY: T. S-Gaines

Disappointing interaction (s) with Pets Best

I am saddened to say that I have experienced a couple of disappointing customer service interactions with Pets Best. For the past 2-3 years, we have insured two of our family dogs with this company. A 5 year old Jack Russell and a 12 year old collie. As expected, our 12 year old collie has been experiencing arthritic symptoms. Pets Best has denied claims that they felt were related to this diagnosis. They stated that his diagnosis was pre-existing before implementation of the policy, when it wasn't. Recently, I had decided to discontinue service with this company, because of claims being submitted and not being covered as expected. On Friday, 09 Oct 09, I decided to call them to see if I could continue the policy and make a premium payment (as recommended by them via an email message). I was told that that policy had expired; so I established a new policy. On Saturday, 10 Oct 09, our collie's arthritic symptoms worsened, so we took him in for a veterinarian appointment. We have now been informed that his condition isn't related to arthitis, but requires a neurology consultation. This afternoon, I spoke with two female representatives from Pets Best and provided them with the information that we had received. They informed me that regardless of when his neurology appointment is scheduled and the diagnosis received, his condition will not be covered; because he was experiencing symptoms before the 14-day coverage period. This is disappointing because, after years of being a customer, I didn't feel that they had our pet's best interest at heart. It seemed to be a "just business" interaction. What happened to their motto, "We care about you and your pet"?

out of 5

POSTED: | BY: Brooke

very pleased with Pets Best

I just wanted to make a comment to thank everyone at Pets Best for the wonderful customer service I have received since I began my policy for my 2 pups back in January. I am living on a limited income being an employee at one of the few still standing mortgage companies and having no pay increase in 2 years. My dogs are my pride and joy and recently have experienced a few different types of unexpected illnesses. Knowing that I have the security that Pets Best will help with covering those medical bills has been such a huge relief. I had a few people suggest that I give up my dogs to save money but I am sure as you know working at a company that supports an animals well being these “dogs” are my children not just disposable pets. Anyhow I really just wanted to say thank you from the bottom of my heart because I have dealt with other companies that do not come close to your turn times and expertise not to mention you guys actually CARE! Thank you again!!!

out of 5

POSTED: | BY: Tariq H

Avoid. Over priced and difficult to deal with

Pets Best is expensive relative to its peers and the customer service is atrocious. Unlike Embrace or Purina Care, they exclude anything they consider to be hereditary or congenital (list is more exhaustive then you might think), regardless of the age of your pet, or whether they have ever shown any symptoms. This includes hip and elbow displaysia, for some breeds eye problems like glaucoma/ cataracts, Addison's disease etc. In addition, they exclude patella or other knee injuries for the first year (Purina and Embrace do not). These are not only the most likely health problems for a young pet. They are also the expensive ones you most need insurance for! Plus if you think about it, for most minor illnesses, after the $75 PER INCIDENT deductable and the 20% co-pay, you end up paying the vast majority of the cost of most vet visits yourself anyway. On top of that, they will nitpick every last thing related to a claim. This includes claims related to their "routine care option" which they seem to treat as a benefit as opposed to an entitlement (despite their false marketing). If their "claims department" finds any issue no matter how remote, be prepared for them to deny the claim and then push it back to you and your vet to do all the work necessary to appeal. This process is designed to be difficult and is a major time sink for you and for your vet, who understandably find it irritating. All in all, if you buy Pets Best, be prepared to pay upfront and then have to fight for your money, waste your time and be disappointed later.

out of 5

POSTED: | BY: Shay Estrada


I have only had Pets Best for a few months, but have been extremely impressed with their service. Within only weeks of getting the insurance, one of our dogs came down with a skin infection. Pets Best sent us a check very quickly and with no problem. We had two other somewhat expensive procedures after this (unrelated), which were also handled quickly and efficiently. The staff was friendly and helpful whenever I would call to ask a question. One of our dogs ended up dying from an aneurism, and Pets Best paid for his cremation. They also sent us a nice sympathy card, which was unexpected and very sweet.So far, we are very impressed and will definately continue to put future dogs on this 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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