Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,698

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

VETERINARIAN: Westside Animal Hospital

POSTED: | BY: Katherine

Excellent service by Pets Best

"My two dogs ended up with situations requiring surgery -- within two weeks of each other. In 60+ years, only once have I had a dog requiring surgery. Then this. The bills were high. (And the recoveries have been very slow). I was so grateful that Pets Best reimbursed me the 80% within two weeks each time. I couldn't have paid for those bills OOP. I hate to think what the consequences would have been."
4

out of 5

VETERINARIAN: Falls Road Animal Hospital

POSTED: | BY: Sharon

Pet Claim

The claim involved simply filling out an emailform and sending a picture.
5

out of 5

VETERINARIAN: Animal Cancer Care Clinic

POSTED: | BY: Michele

Excellent Pet Insurance Company

Since February of 2026 we tried to get a diagnosis for our cat Lui. He had lost a lot of weight and was having gastric issues. We went to two different vets from February through July, a specialist for a surgical biopsy in July, and finally to the Animal Cancer Care center after Lui was diagnosed with two types of cancer. Pets Best made a very emotional and distressful time for my husband and I easier by giving us financial peace of mind. We have had coverage on our six cats for many years, but this year was the first time we've had to file claims. The claim submission process is very simple and convenient. Our claims were reviewed within 2-7 days and every one of them was paid with no questions. We use Care Credit and our claims are paid directly to the card. We finally have Lui on a treatment protocol and he's already feeling better. Pets Best has made things that much easier for us because we don't have to worry about paying high vet bills!
5

out of 5

POSTED: | BY: Teresa

Worth it!

I'm so glad to have Pets Best to help with my dog's complex needs. I've always found the claims process easy to understand, and so far it's covered everything that I've expected it to. It's been very much worth the investment!
5

out of 5

POSTED: | BY: T

Great Insurance

Pets Best has easy, smooth claims process. Quick, hassle free reimbursements. The company is also emotionally supportive when your furbaby crosses the rainbow bridge
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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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