Pets Best | Pet Insurance Review


out of 5

Number of reviews 10,419

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.3
  • 2.9
  • 4.5
  • Count
  • 24
  • 86
  • 10,419
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: Lizette Cook

Best company I've ever dealt with.

Purchasing a Pets Best policy was the best decision I've ever made. Thanks to them I have been able to provide 15 months, and counting, of specialized cancer care for the love of my life. My family members have since joined Pets Best too based on my experience, and I recommend them to anybody looking for a company that stands by it's claims and maintains knowledgeable, responsive phone staff. That they also have a veterinarian available by phone is a wonderful perk of my policy that I didn't expect but appreciate enormously. 5 stars without question.

out of 5

VETERINARIAN: Ephrata Veterinarian


Farmers Insurance Agent - Pets Best Review

I have been very dissatisfied with Pets Best Pet Health Insurance Co. Their Customer Service is sorley lacking. Their Claims Dept. is a joke! Everyone, be aware, upfront, Twelve months veterinarian history is required with every Claim! Even if you have not had the pet for twelve months, does not matter. Doing business in a fair and transparant way should be provided. Not with this company. This is critical criteria, and should be stated in the quoting information, BEFORE someone pays for a policy. I have two Claims, for two pets that needed similar surgery. Coco's Claim was finally paid out... Max's Claim has been repeatedly denied, stating the "not a covered procedure", even though Pets Best paid out Coco's Claim for very similar surgery!! A mass had to be removed from Coco's hip, and a mass had to be removed from Max's side. How can one be covered and not the other? I would be very cautious in my recommendation!!

out of 5

POSTED: | BY: Johanna Muench

Pets Best helps us give our older adoptee Spud all the care he needs!

We adopted an older dog at the beginning of the pandemic, Spud was surrendered as his owner was going to assisted living. He was obese, wheezed, could barely walk without stopping and huffing & puffing. We knew he was so well loved in his former home, but he needed help if he was going to have a great rest of his life with us. We found he had untreated heart issues, and we were so thankful that this was covered under his Pets Best insurance! Pets Best has helped us give Spud the best healthcare and medication he needs to act young again. We could not have given him this quality of life without the assistance of Pets Best. With a strict diet, exercise, and getting his health concerns under control, he is now running around, confident, and content.

out of 5

VETERINARIAN: VCA Lilburn Animal Hospital

POSTED: | BY: B Woodruff

Pet insurance claims

Great insurance and our Vet clinic is the best-of-the-best. Pets Best is very clear about what they will cover, what they won't cover and what they will partially cover. The claim process is quite easy. Suffice it to say we are very pleased with our Veterinarian AND our pet medical insurance. Our small cat has better medical and dental insurance than our dental insurance.

out of 5

POSTED: | BY: Meliza Gandara

Do not recommend!

All of my claims were denied because my dog was born with the illness so then what is the point of pet insurance if it is not going to cover any of the future costs? I am very disappointed. I spend hundreds of dollars with Pets Best insurance for nothing and not including thousands of dollars I spent on my dog's vet hoping insurance will cover some of it. I do not recommend if your dog is prone to getting sick due to previous illness.

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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