Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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.
2

out of 5

POSTED: | BY: Lee Ann Mathis

Ridiculous

I submitted my claim for a medication and it came back denied and stated not on their list. They had reimbursed for this liver medication before and it is on their list. I called and it took me 40 minutes to get a human on the telephone that said it had been denied in error and she would resubmit for a HUMAN to reevaluate. I submitted the claim on March 1,2026 and just got email stating I was being reimbursed on April 14,2026. The amount of time you are on hold for a human to answer in customer service is HORRIBLE. A month and half for a claim is even worse. I loved Pets Best when I first got it 8 years ago but now if not for the pre existing to switch I would definitely switch companies.
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1

out of 5

VETERINARIAN: The Range Animal Hospital

POSTED: | BY: Sarah

Claim denied

Horrible insurance! Signed up for insurance with Pets Best on 3/3. Brought our puppy home on 3/7. On 3/14 our puppy was having loose stools. We took her to vet trying to help our puppy and her new life with us. It was determined she was gassy. Fast forward to 3/18 when our new addition to the family started throwing up, lethargic, and was severely dehydrated. We rushed her to Blue Pearl Pet ER where she received care. I tried not to worry about the bill because I knew we had insurance on her. Our main focus was getting our puppy back to herself. I submit the claim to Pets Best Insurance where I was told that the claim was denied because it was pre existing illness and that the first claim was short of the 14 day window which in return denied our ER visit
5

out of 5

VETERINARIAN: Hawkins Animal Hospital & Wellness Center

POSTED: | BY: Christopher P

Kitty Cat 🐱

Peace of mind is well appreciated.,you never know when you might need it
5

out of 5

VETERINARIAN: Garden City Park Animal Hospital

POSTED: | BY: Barbara

Easy to get exactly what I paid insurance to do

Submitted all on line. Paid as per plan quickly direct to my accounts. Exactly as expected.
1

out of 5

VETERINARIAN: Orange Park Animal Hospital at Oakleaf

POSTED: | BY: Tim

Not actually wanting to help clients - they make assumptions on diagnosis before diagnosis made

This company saw my dog had a post-spay uti a month before getting the policy. I brought her in two months or so after getting the policy because she was having issues with incontinence the incontinence had not developed until after that time which the vet confirms. But the insurance company, doing all they can to escape helping their customers, decided to assume the diagnosis and relate it to the uti (I would assume). They never really explained why. They just said it was prior existing condition. Which it was not. Making it a pain in the butt. It’s insane. Horrible scam of a company. Anyone should go through any other company. Please.
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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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