Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,171

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: Jennifer Bourne

Pets Best is the best!

"We have had several claim with Pets Best but never one as expensive as this one. My poor boy had bladder stones. The vet (unfortunately) did not see the need to do surgery, so in two months, we had to go back. In a stream of unfortunate events to follow, we were back and forth to emergency vets, this was EXHAUSTING. Finally we asked that they do a surgery and they did. This was all very expensive and very stressful and many missed days of work. Pets Best saved our bacon with their wonderful insurance! I am forever grateful and I will continue to refer their name to ALL of my friends and FB
5

out of 5

VETERINARIAN: Primary Care Animal Hospital

POSTED: | BY: Joe Provencio

Great Service

Pets Best reimbursed me within a week and a half of submitting my claim. Excellent response time.
5

out of 5

VETERINARIAN: Snohomish Station Animal Hospital

POSTED: | BY: Monica Austin

Claims and Refunds

After speaking with many people about different insurances. I found that Pets best, is really the best for the amount of refunds you get back. And for the cost of the plans. I've had nothing but awesome experiences with this company.
5

out of 5

VETERINARIAN: VCA Camino Animal Hospital

POSTED: | BY: Devin Holzer

Excellent!

So glad that I have trusted Pets Best. I was skeptical at first based on so many negative reviews, however, I have had to use them twice for claims now, and they paid the claims perfectly exactly according to my policy and the set coverage limits, no questions asked, as expected. I believe most of the negative reviews must be based off of people who do not actually read the policy details and who don't understand what is covered and what is not. I am so thankful that I got this insurance, and thank you to Pets Best for making the process very simple and for standing behind what you say, you will cover!
5

out of 5

POSTED: | BY: Cassandra Luttrell

Urgent Care Visit

Why: suspected my dog had a UTI Where: urgent care San Diego When: late Saturday 2/8/25 Vet verified through testing my dog had a UTI and needed antibiotics, anti-inflammatory, and pain meds. Filed my claim (simply uploaded a photo of my itemized reciept with total amount paid) on Sunday and it was approved within the same week. Reimbursement went straight to my bank account. Process was quick and easy.
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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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