Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,136

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: Dogwood Veterinary Specialty & Emergency

POSTED: | BY: Patricia

Lee Bainbridge Loves Pets Best ❤️

I cannot say enough about how Pets Best has helped my dog Lee and me. Pets Best is the BEST! They have been there for us. Their claims process is very easy and quick. Their customer service is outstanding and so helpful. We are grateful to be with Pets Best!
5

out of 5

VETERINARIAN: Keene Veterinary Hospital

POSTED: | BY: Troy

Pets best. Absolutely

My dog Emma has been my service dog for over 11 years. She has seen me through the darkest times and now it’s my turn to take care of her to give her the comfort that she’s given me. But the help of pets best I do the best that I can to keep her comfortable healthy and happy in her twilight years thank you so much for all you’ve done for me and my angel Emma.
5

out of 5

VETERINARIAN: Animal Clinic of Bay Ridge

POSTED: | BY: Ana

The best insurance ever!

Pets Beat is the best insurance I have ever had. Before I was using different pets insurance and their service was so poor and irresponsible that was the reason I chose Pets Best and I did the best choice. Their service is wonderful. I would recommend Pets Best to everyone!
5

out of 5

POSTED: | BY: LInda

Baxter's 2025/2026 claims

I submitted multiple claims at once, one almost 10 months old. Pets Best paid all of the claims quickly and in accordance with the terms of my policy
5

out of 5

VETERINARIAN: Town & Country Animal Hospital

POSTED: | BY: Jennifer

Pets Best always comes through!

"Our small dog is fairly healthy but has some issues with skin allergies and colitis from time to time. When that occurs, it results in a vet visit. Pets Best always comes through to help with those costs! "
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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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