Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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.
5

out of 5

POSTED: | BY: Sammie C

Hands down the best decision we made to…

Hands down the best decision we made to help care for our fur babies! Wish we’d done it sooner. Filing a claim took me 3 minutes and the processing time for reimbursement exceeded our expectations. Couldn’t be happier!
1

out of 5

POSTED: | BY: Marissa Betancourt

10/10 Do Not Reccomend

I have had to submit two claims recently. One claim was submitted in December 2025 and the second was submitted in January 2026. The app and website did not work either time. I was told to send an email and my request would be worked on in the order it was received. The first claim was handled within their 21 day time frame. When I sent the second claim I made the mistake of assuming that everything would be the same. It was not. I called after almost 30 days and was told that they can’t find it and I would need to resubmit. I was not confident in that answer so I asked them to look into it further. The representative informed me that they would need to transfer me to a different department but assured me that they spoke with the other department and let them know what was going on. When I was transferred I asked the representative if they spoke to the previous representative and they flatly said no and that ai was clod transferred. So, this means that the first representative I spoke with completely lied to me. The second representative was very helpful and apologetic but I requested to speak to a supervisor regarding the first representative that I spoke with. I was on hold for over an hour and twenty minutes waiting for a supervisor. I was finally told that there was absolutely no one in the entire company that I would be able to speak with to voice my frustrations. I have never been told that speaking with a supervisor is impossible. The representative took down my information and told me that they would try to have someone call me back. No one ever called me back. The blatant lack of customer service is astounding. I am waiting for my claim to be complete so I can cancel my policy and move to a company that actually values it’s customers.
5

out of 5

POSTED: | BY: james boyd

Prompt claim reveiw and refund given…

Prompt claim reveiw and refund given within 1 week of claim submission.
1

out of 5

POSTED: | BY: B.J.

What once was good insurance, is now worthless

I'm not sure exactly what happened to this insurance company, but they're no longer what they once were. After 4 years, I'm leaving and shopping for another provider. The claims process continues to be easy. And they're much faster in their response than they were in the past. This means that they now send you a "denied" email within just a few days. If you have an issue with that, here is what they say: Notice to our Policyholders If you believe all or part of the claim has been wrongfully denied or rejected, you may have the matter reviewed by contacting the Department of Insurance in your state with your complaint.
5

out of 5

POSTED: | BY: Meeri

The Easiest Part of a Bad Situation

My dog was attacked by another dog and I had to rush her to the Animal Hospital. This resulted in an emergency appointment, a surgery, and a whole lot of unexpected medical bills for our sweet puppy. For as awful as this was, the ease of filing multiple appointment claims and getting reimbursed was a relief

Monthly Cost

$6 and up, depending on your chosen plan.

Coverage

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. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.

Deductible

$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.

Exclusions

Pre-existing conditions are not covered. Elective and preventive procedures are not covered.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

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.

Get a quote today

Leave a review