Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,316

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.9
  • 3.3
  • 4.5
  • Count
  • 22
  • 125
  • 7,316

Updated: January 26, 2024

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: Prefer not to say

Pretty surprised

I was really surprised that the whole claim process took so long. It's a good thing that I didn't need my reimbursement soon because I would have been out of luck. This was probably the longest time it ever took for me to receive my claim reimbursement in a timely manner. If this happens again then I'm going to shop elsewhere for a pet insurance product that has a quicker turn around with the processing of claims.

out of 5

POSTED: | BY: Joanne Teik

Submitting claim was so easy!!

They made this so easy to submit a claim! And the reimbursement was quick and went right into my bank account. Love this company!

out of 5

POSTED: | BY: denise bohling

I've had this plan since we adopted my…

I've had this plan since we adopted my girl she had an accident when she was playing in the yard chasing butterflies and popped her knee cap out and it wouldn't stay in after rest and meds I made the call to get back with her vet and have surgery although it took a bit longer to get reimbursed but it covered all that was expected after the deductible was met and have never had an issue yes they went up on the cost by just a few bucks more a month which isn't bad although I wish it would pay the bill up front instead of reimbursement

out of 5

POSTED: | BY: Xiran Xu

Great experience

Great experience. Got the explanation of benefits very soon and the coverage details are listed clearly.

out of 5

POSTED: | BY: Kristin Cherry

Pets Best makes it really easy to file…

Pets Best makes it really easy to file claims and get reimbursed quickly. I’m impressed.

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

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.


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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