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

POSTED: | BY: Sharon

End of Life Care

My beautiful 15 year old dog needed to be helped over the rainbow bridge. When I let Pet's Best know about this, they reimbursed my prorated annual payment I had just made a few months before. I honestly didn't think that would happen, because I don't think most insurance companies will do that, much less do it without me even asking for it. It was an enormous blessing in an otherwise terribly painful time. I am very grateful, Pets Best.
1

out of 5

POSTED: | BY: Dwayne Duell-Waite

I have had Pets Best for years

I have had Pets Best for years. They recently got bought out by another company and it has gone completely downhill. I can't recommend them anymore. I would switch my cat to another insurance if I could but he has pre-existing conditions so I have to keep them. All future animals will go on another insurance plan with a company that is not owned by this corporate outfit. The customer service is terrible- it used to be outstanding. They don't care anymore. I filed a wellness claim and they reprocessed it again incorrectly. I am done calling in and dealing with this. In the past wellness and illness claims could be sent together and they knew how to process it correctly- now they don't know what they are doing with claims or even what your policy includes. If you are looking for a good pet insurance- look elsewhere.
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1

out of 5

POSTED: | BY: MD

The portal has been broken

The portal has been broken Since October 2025. Every time I open a claim there’s an error so I’ve had to email everything to submit my claims. I’ve called and spoken to numerous people and no one can tell me when it will be fixed. They don’t answer emails most of the time, there are so many delays. I’ve been a customer since 2020 and the experience used to be great. It’s terrible now.
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5

out of 5

POSTED: | BY: Carol Walker

It is always a pleasure to work with…

It is always a pleasure to work with PetsBest. The review and process claims very quickly and truly care about your pet. I am happy to recommend them to anyone.
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1

out of 5

POSTED: | BY: Brenna

Frustrating, Complicated, and Contradictory Claims Process

We carefully chose this insurance for our puppy after doing a lot of research, especially to make sure his neutering medications would be covered. Unfortunately, the claims process has been one of the most frustrating and complicated I’ve ever dealt with. I filed a claim, and it took over a month before I saw in the app that it was denied because the vet records “weren’t received.” I never received any notice that the records were missing, and I would have sent them myself if I had. When I reopened the claim, I submitted the vet records personally and even received confirmation that they were received. Yet a week later, I was told the claim couldn’t be processed until the vet records were received even though receipt of them had been confirmed. Reopening the claim took several more months, and medications related to his neutering were denied as “routine care” despite being shown on the list of medications my policy covered. Responses to emails were often vague and took a week to receive. Because of these issues, we’ve since canceled our policy and switched to a different provider. I would not recommend this insurance.
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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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