Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,145

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.6
  • 3.2
  • 4.5
  • Count
  • 32
  • 118
  • 7,145

Updated: November 13, 2023

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: Kathleen Owen

denies claims

I have had trouble being reimbursed for anything and everything. They consider an ear infection a preexisting condition. They have denied everything I have sent in.

out of 5

VETERINARIAN: West Park Animal Hospital

POSTED: | BY: Riah Williams

So Worth It!

Ive never used pet insurance before so I had to do a lot of research to figure out which one I wanted to use. I settled on PetsBest with high hopes for my fur babies being taken care of. I bought them a few months worth of their flea, tick and heartworm prevention but couldn't figure out how to submit a claim for an online medication order. I contacted PetsBest using their online chat system, and they were beyond friendly and helpful. I had so many questions about the process but they helped me through everything and I made my claim successfully. Received the payment within the promised time frame, too! They're already very stellar and I am excited they will be taking care of us and our babies! Thank you, Pets Best!

out of 5

POSTED: | BY: Aaron Douglas

I am so glad I have Pets Best!

I have had other pet insurance companies in the past who did everything they could to avoid paying my claim. I have received a substantial amount of money from my insurance provider and actually sometimes wonder how they are making any money because my dog had a $3,000 claim for cancer surgery and I believe about 2/3 of that was paid by insurance. I was extremely happy and have also been very happy with the claim payments on my 1 year old puppy's wellness plan.

out of 5

POSTED: | BY: Christine Fields

See what best for you and your dog

There is a spend down first before insurance even covers anything. Then if you don't have any history on the dog you insured you need to take them to the vet for a whole year before they will even think about covering the bill. I was told by the insurance just pay into it you never know once you meet the 500.00 and the vet has seen the dog enough then we will start to cover what insurance covers. So in other words I pay and pay insurance month and the vet bill until insurance said they will start to cover.

out of 5

POSTED: | BY: Kimberly Rivera


i have Pets Best since 8 weeks old, i have compared many insurance companies like all insurance they will not cover preexisting condition. They are good price and they included office visit and rechecks which is great for sickness or illness and they have only a year deductible not by claim. if you need pet insurance then get when puppy most important dont wait till older. I never did pet insurance before but today there are some many companies out there but you really need to compare and read and watch. I have 90 percent pay back and 200 year ded and unlimited i pay 33.00 a month for a mixed breed. when you get into certain breeds they are more expensive also. Pet best have paid all my claims and rechecks and they pay within 2 weeks also. I AM GLAD I HAVE THEM. i dont do wellness plans it not worth it to me

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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