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.
Why I Recommend Pets Best to Every Pet Owner I Know
I can't thank Pets Best enough for the incredible support and services they provided to my wife and me during one of the most difficult times of our lives.
Back in January 2025, we noticed a lump on the nose of our 14-month-old Australian Shepherd. After two weeks of uncertainty and no clear answers, the lump continued to grow, and the word "cancer" started to enter the conversation. It was terrifying.
Right away, I contacted Pets Best, and the support specialist I spoke with was incredibly kind and reassuring. They let me know that Pets Best would be with us every step of the way. That gave us the peace of mind to focus on getting our dog the care she needed and explore every option our doctors presented.
Over the course of three intense weeks filled with appointments and procedures, Pets Best kept their promise. As vet bills stacked up, they handled our claims efficiently, making a painful and stressful situation much easier to bear.
Whenever I share this story, the first question I get is: "Do you have pet insurance?" Without hesitation, I proudly say, "Yes—we have Pets Best." Their policies are excellent, the claims process is simple and transparent, and their support team is top-notch. I've never been put on hold, and every question I've had has been answered quickly and compassionately.
Since then, I've become a strong advocate for pet insurance and always recommend Pets Best to friends, family, and fellow pet owners. We now have the same policy for our new 14-week-old puppy—who, unfortunately, has already had a UTI and a broken leg—and once again, Pets Best has been incredible. They continue to make veterinary care easy, accessible, and affordable.
5
out of 5
VETERINARIAN:
POSTED:
| BY: Chris
Much better experience than expected
"I work in the health insurance industry (People Health Insurance), so I know how many issues there are with getting claims paid. I expected the worst. I had just gone through a rather traumatic experience with my pet, and an emergency room visit, which was not cheap. I was glad to have Pets Best to help cover some of the cost. I provided my receipts, and there was no questioning, no follow-ups for additional information, no delays. It took a reasonable amount of time to get reimbursed, 2 weeks. So, it was a pleasant experience all around. Thank you Pets Best."
5
out of 5
VETERINARIAN:
urgent Vet
POSTED:
| BY: Dale
pet Pneumonia
My dog had strange hacking. Went to Urgent Vet. Diagnosed with pneumonia. Given meds. follow up showed all clear. Very pleased with Best Pets. Once bills were submitted, a quick response was made to issue me a check
5
out of 5
POSTED:
| BY: Helen
Maintaining my late husband's pride and joy...
I have had insurance for my lovely Old English Sheepdog since I purchased him from the breeder for my late husband. I need him as my emotional support and grief, but I struggled with his growing wellness requirements. It wasn't until I found PetsBest and their favourable program for Illness and Wellness. I am incredibly pleased with the claim process and their communication throughout the claim stages. I am so glad I changed companies, and I know that I can now take care of my boy and not struggle financially as a retired widow.
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 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.