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: Eileen Robinson

Great Company

I have 2 dogs covered by a PetsBest policy. The Customer Service Department is top notch. I have had numerous claims in the past year and I have never had a problem getting my 80% reimbursements in a very timely manner. I recently took one of my dogs to see a doggy dermatologist. The vet said that she had never heard of PetsBest and was asking about the company because she was constantly being asked to recommend an insurance company to her clients. I had nothing but good things to say about PetsBest and she assured me that she would let her clients know about this insurance. I only wish human health insurance companies were so easy to deal with.

out of 5

POSTED: | BY: Diana Fugate

Pets Best was so easy during our crisis!

I have never seen a dog go into anaphylactic shock before and certainly didn't realize a bee sting would do that. We were frantic with our maltipoo and thinking only of getting her to the animal hospital...but when the bills started adding up, we started to panic! How do we put a pric on our precious little maltipoo?? When I called to make sure it was covered, they were sooo awesome and kind. They explained everything and if I've ever had a question, they've always explained with nothing but sincere kindness. I would definitely recommend Pets Best Insurance and already have to several of my friends!

out of 5

POSTED: | BY: Leta Hunt


I initially reviewed Pets Best as poor and related the several things that had gone wrong with my initial claim which had been declined. However, Pets Best Customer Service suggested that I resubmit the claim. I did so, and they processed it amazingly quickly. I received exactly the amount that I was expecting. I am most favorably impressed and very glad that I have Pets Best. Especially, I appreciate their customer service. It is easy to reach a real person via phone. I also really appreciate being able to monitor what is happening with my claim online. This has been my first experience with pet insurance, and I am delighted that it has worked out.

out of 5

POSTED: | BY: Zehra R.

PetsBest is indeed the best pet insurance around!

Let's face it, nothing is free ever, and nothing is cheap today, but as pet insurance companies and their offerings go, PetsBest is by far the best deal. Their various plans are more or less tailored to the client's need, and they are flexible and interchangeable. And for what the company offers, it is the least expensive one around. I should know! For SEVEN YEARS I payed a fortune every year, with all sorts of restrictions, to insure my kennel of show dogs. I don't know if PetsBest was not yet on ground or if I just didn't know about it.The crowning glory of this company is its people. I don't know who all is there but the young men and women I have dealt with can be described only in superlatives for customer friendliness, courtesy, and help. Thanks Vicki, Sara, are great.

out of 5

POSTED: | BY: clivaller bolda

nobody knows what anybody is doing!!!!

i sent a claim in and they just let it sit on someone desk for 3 weeks and after 10 phone calls got more run around as to where the claim was and then they called me and said the check was being put in the mail that day and 11 days later no check. They are very unorganized and their 10 day turnaround has been a month and still nothing!!

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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