Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,144

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.5
  • 3.2
  • 4.5
  • Count
  • 31
  • 117
  • 7,144

Updated: November 13, 2023

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.

out of 5

POSTED: | BY: Tiffany Reynolds

Complete Disappointment

When I purchased this insurance, it was claimed to begin immediately with no waiting period which is why I selected this company over all the others. I took my newly adopted puppy into the vet due to kennel cough and submitted the claim. The mobile app to submit a claim is garbage, it crashes and glitches constantly. Then it took nearly 30 days to review and deny my claim. I received no updates for nearly 20 days about the process, and the update was an emailed apology for the delay in processing. I will be looking for new insurance.

out of 5

POSTED: | BY: Rosanna Seabold

Best decision we ever made!

Our young rescue dog suddenly developed a neurological issue requiring many visits to specialists and a high level of care. He is living his very best dog life thanks to Pets Best - it allows us to give him treatments and care we would not be able to afford without this insurance. Everyone is always helpful and the claims process is very easy.

out of 5

POSTED: | BY: Desiree Nicholas

Best and Easy Pet insurance

This is by far the best pet insurance. This is my first time having pet insurance and I am very satisfied. Thank you!! And my puppy thanks you too for all that is covered.

out of 5


POSTED: | BY: Jason Neppl

Confidence in Challenging Times

Pets Bets has never let me down. When my best friend became ill on multiple occasions, I was able to confidently seek the best care knowing that the financial side of things would be significantly helped. Please do you and your pet a favor and carry insurance for the unknown. Also recommend Care Credit or another 0% line of credit to minimize out of pocket expenses initially and then have time to pay back any deductibles. These decisions have given me priceless years of healthy and happy bonus time with my pal.

out of 5

POSTED: | BY: William Powell

With the help of Good Vets, Pet's Best can save your dog's LIFE

Pet's Best provides the kind of financial support that can save your pet's life. It is my preferred provider that I recommend to families who adopt puppies from our kennel. I recommend what I call catastrophic coverage which has five key features, 1.) high deductible ($1,000,) 2.) good coverage after the deductible is met (90%,) 3.) does not cover exams (represents a small part of treating serious injuries and sicknesses,) 4.) No treatment limit (with today's vet bills $10K or $12K just doesn't cut it,) and finally 5.) affordable premiums ($400 to $500 per year.) For day to day care you do not need vet insurance because the final outcome of that process depends more on whether you actively control and improve the process rather than whether it is covered by an insurance company. Bear in mind that vet insurance companies do not negotiate rates with providers like human insurance companies do so you are not getting a special rate because you have insurance. The optimal value for daily vet visits comes from your critical evaluation of whether the vet is doing a good job for the money and from being trained by the vet to handle daily care yourself. You must train yourself to handle daily occurrences with your own resources otherwise you will be financing some vets retirement. Now days, life threatening canine injuries and sicknesses start at about $5,000 and go up. This is when your catastrophic Pet's Best policy kicks in and saves your pet's life. Bloat, CCL tear, cancer, untreated, are a fast or slow death for a dog. The CCL tear (ACL in humans) is debilitating and painful for the life of the dog, untreated. In the city, the corrective surgery, TPLO, costs about $6,000+ per knee. With catastrophic coverage you pay the deductible $1,111 (based on 90% of cost not 100%) and 10% of the rest plus exams or $623 for a total of $1734. With your deductible covered you might also be able to collect on previous and future treatments for the year. The surgery is very effect and after recovery your dog is back to normal in most cases. let suppose you pay for this catastrophic Pet's Best insurance for the 12 year life of a Bernese Mt Dog only to have the dog die quietly in sleep of a heart disease at age 12 with no other serious medical incidents. You've paid $6,000 over the 12 year life of dog an never had to use it. Is that a bad deal? NO!!! If you could guarantee to me that you could sell me that Bernese Mt Dog that would live 12 years without any catastrophic disease then I would gladly pay you $10,000 for it. The problem is that nobody can make that guarantee so all we have left to protect ourselves is catastrophic Pet's Best Insurance. I never want to use it but I have it and I will use it in order to save the life of my dog.

Monthly Cost

$6 and up, depending on your chosen plan.


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.

Payout Limits

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


$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

Waiting periods are based on the effective date, usually the day after enrolling: 14 days for illness claims 3 days for accident claims 0 days for routine care


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