Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,827

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: Allyson

I love that I can focus on care, not costs!!

We recently had a scary and expensive holiday weekend with our dog - an HGE diagnosis and a severe allergic reaction to the anti nausea meds! Based on my prior experiences with Pets Best I was not at all worried about paying upfront for the ER costs and treatment. It was so nice knowing we could focus on our girl and her treatment and not be worried about finances. Here we are a few weeks later and our girl is 100% and our costs were paid according to our plan, no surprises!
5

out of 5

VETERINARIAN: The PARC

POSTED: | BY: Joseph

My Expensive Frenchie

What an amazing company. I've been with Pets Best for six years and wouldn't have financially survived without them. I have a very high maintenance and allergenic girl that wouldn't have made it these last six years without frequent visits to the vet. Claims are easy with no questions asked...Other companies would have been justified to drop us with every other month vet claims, but they stuck by us only slightly raising our rates this year (2026) with a letter stating the increase was due to inflation and not our claim history. A company we will not leave. Heros in my book...
5

out of 5

VETERINARIAN: Snoqualmie Ridge Veterinary Hospital

POSTED: | BY: Ryan

Sick kitty

"This was our first hospital trip for our cat, and it was shocking to see the bill. Pets Best came through quickly with a wonderful result and made the otherwise stressful time with our pet (he's doing better now), easier to handle. "
5

out of 5

POSTED: | BY: Ashley

Pets Best, the BEST!

I lost my sweet baby girl in April of 2026. PetsBest was our insurance and I NEVER had a single issue with a claim. I ended up paying $4k to save her and PetsBest reimbursed all but $400! The easiest, simple process! I am so thankful for PetsBest and their team!
3

out of 5

POSTED: | BY: Tom

I had trouble logging on to the iPhone…

I had trouble logging on to the iPhone app. once i did i could make my claim for reimbursement easily. however, i could not access the account info nor history. I was able to access my account via the website on my pc. I just feel the process was clunky and frustrating.
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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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