Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,319

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.3
  • 4.5
  • Count
  • 23
  • 125
  • 7,319

Updated: January 26, 2024

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.

out of 5

POSTED: | BY: Daniel Lohrman

Petsbest Has Gone Downhill

Petsbest use to be amazing. However, I am not struggling to have them pay. The claim was approved with a statement of how much they would pay. However, the money has not been deposited and every time I call Petsbest I am told to wait a few more business days. Every time I talk to someone I am given a different excuse as to why they haven’t paid. I use to recommend Petsbest but I will not recommend them anymore.

out of 5

VETERINARIAN: Garden state veterinary specialists

POSTED: | BY: Aileen Miranda

Life saver

My dog got sick and diagnosed with MUE, scary stuff for us and her. I'm thankful I have Pets Best for these scary times, they made filing a claim easy and informed me right away they received my claim. The only part I feel takes too long is the payout time. Once the EOB is sent I feel the payment should begin processing being that I had to borrow to pay the vet and now need to repay those debts so a fast turn around would be less stressful in a time that I'm already fully stressed. Other than that I have no problems with Pest Best and already have recommended them to several friends and family that have pets.

out of 5


This was the BEST decision for our PET

We purchased Pets Best when we adopted our puppy three years ago. This was the BEST decision for our PET! That said, submitting a claim is easy and processed faster than expected. We highly recommend PetsBest. One thing I really like is the comparison chart provided on the website. It saves time since the HW was already done.

out of 5


Awesome customer service

Awesome customer service! Prompt communication! Love the direct deposit option! Only wish they covered anal gland expression. For my dogs that is a medical issue. Otherwise, we have been pleased with this pet insurance.

out of 5

POSTED: | BY: Rayne MacGeorge

PetsBest insurance is great

PetsBest insurance is great. Their website is easy to use. Easy to understand. I’m able to upload documents and submit a claim really fast. They advise it may take up to 3 weeks for a claim to be finalized but honestly it takes half that long most times. They are fair and easy to work with. Highly recommend.

Monthly Cost

$6 and up, depending on your chosen plan.


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.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.


$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.


Pre-existing conditions are not covered. Elective and preventive procedures are not covered.
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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