Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,149

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: Todd Szilagyi

Pets Best is the BEST

Pets Best has been the single best investment we have made in our dog. Coverage has been as expected. The app works great and we get reimbursed in a timely manner. I have and will continue to recommend!
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5

out of 5

VETERINARIAN: Riverstone Animal Hospital

POSTED: | BY: Marisela Canache

Thank You for Helping Us Care for Alfa

Dear Pets Best Team, I wanted to express my sincere appreciation for your support throughout Alfa’s illness and after his passing. All eligible claims were ultimately honored according to the policy. Although some of them took a little longer to process, I understand that you must complete your due diligence and review before issuing payment. During such a painful and unexpected time, it was a relief to know his care was covered. Thank you for your help, your compassion, and the peace of mind you provided during Alfa’s final days. Warm regards, Marisela Canache
1

out of 5

POSTED: | BY: Lydia McEvoy

Denies claims that should be paid

Don't walk away... RUN AWAY! We had this insurance for over 2 years without needing it. When our cat suddenly got sick, we took her to the vet and submitted our claims. Because she had an UNRELATED bacterial infection at the time we initially signed up for the insurance (correctly not covered at the time because the insurance was new), they have denied all of the ongoing treatment we are now seeking years later for an unrelated, new, chronic condition. Thousands of dollars DOWN THE DRAIN! Tried to call--30+ minute hold time. Sent an email--NO RESPONSE.
1

out of 5

POSTED: | BY: Ray Andrasak

Still waiting for reply from you on a…

Still waiting for reply from you on a claim we sent in on 11/19/2025.
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2

out of 5

POSTED: | BY: Connie

In the past Pets Best has been very…

In the past Pets Best has been very responsive but this past experience is not good. The website problems have made communication difficult. When I have been able to talk to a human they have not been able to resolve my issues with appeals. I am still working the issues.
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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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