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

VETERINARIAN: Flora Family Vet, previously Boggy Creek Animal Hospital!

POSTED: | BY: Sue

Truly the Best

I insured my beloved dog Minute with Pets Best Pet Health Insurance until she passed away on Thanksgiving Day last year (2025) and it was truly one of the best decisions I ever made for her as she entered her senior years. Pets Best gave me such peace of mind and even at the end, they were supportive and helped ease the pain of my loss (if that's even possible) by cancelling my policy as sympathetically as possible. I didn't even have to call. They just took care of it for me. I'll be forever appreciative of the excellent medical care Pets Best helped me provide for my girl.
5

out of 5

POSTED: | BY: Denorah

Great service

Quick, hassle-free processing with easy-to-understand explanations of benefits. I will continue to insure my dog with Pets Best.
5

out of 5

POSTED: | BY: Shannon

Fast, Stress-Free Care When We Needed It Most

When my dog needed unexpected veterinary care, I was so thankful we had Pets Best. As a pet owner, nothing is more stressful than seeing your fur baby uncomfortable and worrying about how much treatment might cost. The claim process was incredibly simple and straightforward from start to finish. After our visit to the vet, I uploaded the invoice and documentation through the Pets Best portal. The submission process was easy to navigate, and I appreciated being able to track the status of the claim online. Communication was clear, and I received updates along the way so I never felt like I was wondering what was happening. The claim was processed in a timely manner, and reimbursement was deposited directly into my account. That peace of mind allowed me to focus on my dog’s recovery instead of financial stress. Having coverage through Pets Best truly made a difficult situation much easier, and I’m grateful for how smooth and efficient the entire experience was. I would absolutely recommend Pets Best to other pet parents who want to feel confident they can say “yes” to the care their pets need without hesitation.
5

out of 5

VETERINARIAN: Veterinary Emergency Group

POSTED: | BY: Carol

Roxys injury

Pets Best accepted all my paperwork when Roxy got a bad infection. They paid my claim promptly.
5

out of 5

VETERINARIAN: Denver Animal Emergency

POSTED: | BY: Christy

Pets Best really is the BEST!

I had a very traumatic experience with my dog and almost lost her to toxic poisoning! She is doing great now. I filed my claim very easily on line a couple weeks later. PB replied promptly that I had not sent them an important document that I had thought I had sent in. As soon as they received all the complete documents, they promptly replied again saying that my claim was being processed. From claim being filed to payment, it was only 11 days!! Amazing! Cannot recommend them enough.
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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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