Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,885

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: Three Rivers Animal Hospital

POSTED: | BY: Bonnie

Double Trouble

We recently became the proud parents of Stella and Winston, adorable sibling Shih Tzus. I decided on Pets Best after lengthy research. It was a great decision. Filed claim easily and was reimbursed in 3 days! Pets Best has thd perfect name!
4

out of 5

VETERINARIAN: Animal Hospital of Verona

POSTED: | BY: Abby

Quick response times, overall satisfied!

I appreciate the quick turnaround for my claim, it was exactly 1 week (5 business days) from submission to getting my EOB. Insurance is always confusing, and initially I had misinterpreted my EOB on a previous claim. The customer service was mostly good, but could have improved on explaining what was covered and what was not in layman's terms- hence the 4/5.
5

out of 5

VETERINARIAN: VERG Brooklyn

POSTED: | BY: Angela

Truly "The Best" Pet Insurance

I’ve worked with several pet insurance providers over the years, and Pets Best is by far the only one I confidently recommend. Their claims process is straightforward and easy to navigate, and their reimbursement for illness-related care is exceptional. When my dog was diagnosed with both Cushing’s and diabetes, having this coverage made an incredibly difficult time much more manageable financially. I truly appreciate how seamless the experience was and highly recommend Pets Best to anyone considering pet insurance
5

out of 5

POSTED: | BY: Sarah

Coverage Until the End

Pets Best was my pet insurance carrier for my cat’s entire life, and I could not have asked for a more responsive, understanding, or supportive team. Hudson battled cancer and, because he was immunocompromised, faced several life‑threatening infections along the way. Pets Best gave me the assurance I needed to make the decisions to treat him. Without this policy — and the reliability of their claim payments — he simply would not have survived as long as he did. Even in his final days, when he could no longer fight, Pets Best covered the medication that brought him peace. That meant more than I can ever express. I am deeply grateful for everything they did for both of us.
5

out of 5

VETERINARIAN: VCA Cottonwood Animal Hospital

POSTED: | BY: Karen

Stress-Free Claim with Outstanding Coverage

I’m very satisfied with my experience. I took my dog to the vet for a breathing consultation, and the insurance covered 90% of the total bill, including the consultation, nail trim, vet tech services, and prescription medication. The claim was processed and paid quickly.
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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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