Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,944

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: Desert Hills Animal Clinic

POSTED: | BY: Ruth

Pets Best is Incredible Insurance

Our wonderful 6 year old dog was diagnosed with diabetes in May 2025. He went into diabetic ketoacidosis and had pancreatitis which put him in ICU for a week. We love him so much and felt he deserved a chance. We appreciate the amazing coverage he has through Pets Best. Filing claims has been easy and we are grateful for the care he is receiving and can afford thanks to Pets Best. Hunter's Vets at Desert Hills have been wonderful! They are so supportive and really want the best care for him.
3

out of 5

VETERINARIAN: Baker Bristol Pet Hospital

POSTED: | BY: Nicholas

Not happy with Wellness Plan

I am not happy with the coverage of the Wellness plan. I have had Pets Best Insurance for the fifth year now. The insurance cost have been going up every year which I understand but the wellness plan's benefit coverage had stayed same at $305 since 2021. Due to inflation, the costs of annual check, flea/tick prevention, vaccines, blood exam, etc. have all gone up. I called customer service a few times asking for corporate to review this but had not seen any wellness benefit coverage improvement. Please review and adjust the coverage. Thank you.
5

out of 5

POSTED: | BY: Grace

Reliable and Compassionate Pet Insurance

We’re so thankful for the support Pets Best gave us during our dog Coco’s medical journey. It was a tough time, but their team was always quick, kind, and easy to work with when it came to processing our claims. The whole process, from reviewing claims to getting reimbursed, was smooth and gave us peace of mind when we needed it most.
5

out of 5

VETERINARIAN: Sherwood South Animal Hospital & Emergency Center

POSTED: | BY: berta

IT WORKS!

Pup was seized in the middle of the night with excruciating pain. I rushed her to emergency vet and they evaluated, x-rayed and medicated by little fuzzy companion. The x-rays weren't cheap but when I submitted the claim, Pets Best paid it in record time. It's good to know that you get what you paid for with this pet insurance company.
5

out of 5

POSTED: | BY: Karen

Izzy's heart

They were very helpful and we are happy with this company

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 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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