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: Colorado Pets

deductible per incident not per year - bad policy

After having lost two dogs in the past year who were uninsured, we were determined to insure our new puppies. One big problem I have with Pets Best is that their deductibles are per incident not, as with AKC, per year. Most of the claims we have filed have been denied due to not meeting the deductible on those issues. Also, Pets Best doesn't cover preventative medicine like heartwork. AKC does cover preventative medicine. I am very tempted to switch to AKC. On a positive, Pets Best has had a very good response time.

out of 5

POSTED: | BY: Judy

premium increase

I have had Pets Best for a few years now. My dogs are 7 and 13. While I have been with them for the past three years, they have raised my deductible once and have raised my premium cost three times. This past increase was a 31% increase. That is ridiculous and outrageous. I have had to drop my coverage with them in order to maintain the insurance. Unfortunately, I cannot go to another provider because of the age of my older dog and preexisting conditions would apply. I am very disappointed in Pet's Best. They should be ashamed to impose a 31% increase on anyone.

out of 5

POSTED: | BY: Lynn Zawrotny

Reliable, Timely Coverage

I have a 9 1/2 year old dog who I recently purchased Pets Best coverage for after the (expensive) and painful loss of her mother in April. Without hesitation, Pets Best covered my dog at this age. I recently took her to her vet for a tumor on her leg. The tumor was mast cell cancer and had to be removed. During surgery, more tumors were found on her spleen and her spleen was also removed. The stress and worry of my dog's cancer was alleviated by Pets Best paying for her surgery so she could receive the care she needed. I was reimbursed very timely and they also paid my balance owed to the vet. I would highly recommend this pet insurance for your dog. This is one of the few companies that covers older dogs at a decent rate.

out of 5

POSTED: | BY: Alison H.

Selling Practices are a Disgrace

Consumers need to beware of this company's online application process. In January, 2009 I obtained insurance from Pets Best for my Labrador Retriever. I applied online and paid my money. 6 months later, my dog ruptured his ACL, requiring a surgery that cost almost $4,000. My claim was rejected by Pets Best, citing a one year waiting period for cruciate ligament injuries. This was not disclosed during the online application process. It is my opinion that this company dupes consumers by not making them aware of this exception to their policy during the application process. (Especially since this injury is one of the most common canine injuries.) I'm hoping that others will learn from my mistake in trusting this company to be above-board during their application process. My complaints to the company and to the Better Business Bureau have been met with rudeness and contempt. "Buyer beware" is certainly applicable to this company.

out of 5

POSTED: | BY: Paola P

I am 100% satisfied

I have submitted 8 claims within 4 months and each one has been reimbursed promptly (within 2 weeks). I was nervous the first time I sent the claims because I went to 5 doctors and I thought that they would be suspicious and fight the way I went about finding out whether my dog had cancer (he does not). They did not fight my claims and they promptly reimbursed what I was owed. I am very excited about them because my dog keeps having a lot of illnesses and accidents. I do not know what will happen when they wil be under aetna. However, they just increased my premium.

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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