Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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: Cleber

Reliable and Caring Pet Insurance

I highly recommend this pet insurance. The service they provide is excellent, and it gives me real peace of mind knowing my dogs are protected. Whenever I’ve needed support, the process has been smooth and the team has been very helpful. It truly feels like they care about the well-being of our pets. You can trust that your furry family members will be well taken care of.
2

out of 5

POSTED: | BY: Adrienne R

disappointed

I sent my receipts to pets best on 2/14/26 and never received a word until 3/5/26. Not acceptable in my book. It was not a complicated visit. Urinary infection. No surgery, nothing. So....my expectation is that this should be accomplished within a week.
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5

out of 5

POSTED: | BY: April

So thankful for Pets Best!

A scary emergency vet stay for our two dogs ended with two healthy pups and an expensive bill. Pets Best delivered exactly what I was hoping for. It was a smooth process from start to finish. Our claims were processed in a timely manner and our reimbursements came through quickly which was such a relief. I did a lot of research when we decided to get pet insurance, and I am so thankful we selected Pets Best!
2

out of 5

POSTED: | BY: Sarah Griffiths

Crazy Reason for Denial

I waited more than an hour on the phone to contest my claim that my dog's mass was a pre-existing condition. His waiting period ended on November 20th 2025. I saw the vet on February 19th because a small bump on his leg had started to turn scabby over the past few weeks. Told the vet during the visit that I had first seen the bump "maybe a couple months ago?" They denied it based on that claim- because "a couple months ago" would technically have been ONE DAY before the waiting period. Nevermind that it didn't start getting scabby until a few weeks ago. What a scam.
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1

out of 5

POSTED: | BY: Francisco Vasquez

Don't buy insurance from this company

Don't buy insurance from this company; they're thieves. They never mentioned co-pays, they charge co-pays on everything. Besides that, they find ways to avoid paying, and when they do pay, it takes more than a month. Their customer service is awful. I'll never use this company of thieves and scammers again.
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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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