Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,160

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: Pioneer Veterinary Hospital

POSTED: | BY: Kristin Gard

Paw injury taken care of!

My pets paw was injured and infected requiring quite a bit of care and eventually surgery. I was able to afford his care thanks to the knowledge that Pet's Best would be reimbursing us for a percentage of the cost. My pup is now recovered and back to his happy self!
5

out of 5

POSTED: | BY: Deb Iacoboni

My Schnoodle Mickey

I have recommended your company to all my friends.
5

out of 5

VETERINARIAN: Animals R Us

POSTED: | BY: Phyllis Rathbone

Pets Best IS The best!!!

Signup process is user-friendly, conditions, the rules are clear and explained well when they process the claim, fast claims processing. Buy the full wellness package it is worth every penny and more even for healthy dogs! I have had other pet insurance carriers who hide the whole facts about their payout policies, so always dig into the fine print if you aren’t going to use Pets Best!!
5

out of 5

VETERINARIAN: Bridgetown Veterinary Emergency + Referral

POSTED: | BY: Judy Bottita

Excellent

I’m so glad to work with Pets Best Insurance. Their premiums are fair for the coverage,. My poodle has seizures and has multiple vet visits with her neurologist, regular vet (now called The Vets Mobile services),, and even random Emergency visits. Pets Best has been excellent with claim handling and reimbursements. They even help cover the multiple medications and refills for my girl. Ease of mind and comfort in knowing I’m not alone financially is a good feeling. Pets Best provides that for me. I can’t say enough how much I appreciate their services.
5

out of 5

POSTED: | BY: MARIA JOSE ALVAREZ

Excellent Insurance …

I recently said goodbye to my sweet dog, Violet, and I want to sincerely thank Pets Best for the care and support provided throughout her life. Having pet insurance gave me the peace of mind to focus on what really mattered—her well-being. Submitting claims was always simple, and the reimbursements were quick and fair. I truly appreciated the clear communication and the compassion shown, especially during her final months. Pets Best made it possible for Violet to receive the best care without added stress, and for that, I’m deeply grateful. Thank you for being there for us every step of the way.
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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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