Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,586

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

VETERINARIAN: Duxbury Animal Hospital

POSTED: | BY: Nina

Pets Best insurance

Pets Best processes claims quickly and the coverage I have on my policy really makes decisions diagnostically and treatment wise very easy. I would highly recommend and have never felt like they are looking to get out paying for a claim. Almost 9 years with them and I would recommend.
5

out of 5

POSTED: | BY: Barb

Excellent experience

This company has always come through in a reasonable amount of time with a fair reimbursement. We have had an overall excellent experience with their website and their coverage and we are so pleased that we chose Pets Best.
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1

out of 5

POSTED: | BY: Lorna

BIG DISAPPOINTMENT

After doing my research, I signed up with Pets Best and felt I had found a top pet insurance company, one I could really trust to help me take care of my dog -- and all went well for a while. BUT, when I adopted two more dogs, I had difficulty getting their website to recognize that I now have THREE dogs and qualify for a multi-pet discount. As a result, INSTEAD OF GETTING THEIR MULTI-PET DISCOUNT, somehow MY ORIGINAL DOG GOT A NEW POLICY TOO -- AND NOW HER ALLERGY PROBLEM IS CALLED "PRE-EXISTING" AND IS NO LONGER COVERED!!!!!!! Even contacting Pets Best "customer care" and explaining the situation did no good. WOW, talk about being disappointed!!!! Bottom line, since no one will now cover her allergies, I'm switching companies just on principle and share this with the broader pet community as a word of caution!
5

out of 5

VETERINARIAN: Partners Animal Hospital NoDa

POSTED: | BY: Joanne

First claim

File my first claim after my puppy visit. Easy, and rapid response payment within 5-7 days. Thank you!
5

out of 5

VETERINARIAN: Animal Cancer Care Clinic

POSTED: | BY: Ashley

We love PetsBest

"In May of this year (2025) we learned that our young, sweet dog (fur baby, we have no children of our own) Blackjack was diagnosed with lymphoma. We have had him about 3.5 years and he is a rescue. When we learned of this news, we were devastated of course. Thank God we had insured both of our dogs with pet insurance from Pets Best. This pet insurance has been a lifesaver for us. Blackjack's oncologist appointments and cancer treatments have been very expensive and with petsbest insurance covering 80%, it has helped immensely. This is the only way we are able to continue paying for our sweet pups treatments- with the help of the insurance. The yearly insurance is affordable for us because we budget for it. Having insurance for pets is a MUST. You never know what can happen especially with rescues. I would recommend PetsBest to anyone. PetsBest insurance was recommended to us by another pet parent and I am SO glad we got pet insurance. After our first rescue dog needed a blood tranfusion then unfortunately did not make it much longer, we decided that pet insurance is most definitely worth it! Thank you PetsBest! "
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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 Pet Insurance detail
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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