Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,902

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.
1

out of 5

POSTED: | BY: Kayla

Scam insurance

Scam insurance. I regret leaving lemonade for this garbage. My policy covers emergency vet visits, accident/injury, and the medications prescribed to my dog. They didn’t cover a penny of either visit and tried to say my services aren’t covered when they clearly are. Do not give your money to this company. Lemonade took 5 days max to get refunded and it took these idiots 13 days to even send an email about claims being denied. They are liars and thieves.
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2

out of 5

POSTED: | BY: ELIZABETH

Won't answer phone to cancel. RATES COTINUE TO RISE

They continued to raise my rates to obscene amounts ($85 to $115 to $200 within 2 years, my dog is no 7)...there is no math that makes this worth it. The WORST part is i've been on hold with them to cancel for the past hour and there's no other way to cancel. This is ABSURD. the only good thing is their claims process through the app was easy. But really...policy management would make me never recommend them. It's not worth this headache.
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5

out of 5

POSTED: | BY: Patty

Super pet insurance

I’ve had Pets Best since 2019. I’ve only had one episode that I thought was not fair or correct other than that, they have been very good. I’ve recommended them numerous times to different people. Customer care service is phenomenal. I have never had a bad experience with anyone they’re always very kind, helpful, knowledgeable. I recommend Pets Best to anybody looking for pet insurance.
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5

out of 5

VETERINARIAN: Bigger Road Veterinary Center

POSTED: | BY: Nicole

Mrs.

Dear Pets Best Insurance Team, I am writing to express my heartfelt gratitude for the exceptional support you provided during a very difficult time for my family. My five-year-old Golden Retriever was recently diagnosed with a Mast Cell Tumor, and navigating her care was both emotional and overwhelming. Thanks to the policy I chose when she was just a puppy, I had peace of mind knowing she would be covered. The $1,000 deductible plan with 90% reimbursement and unlimited coverage worked exactly as promised. Your team handled my claims promptly and efficiently, which made a significant difference when timing and support mattered most. I truly appreciate your responsiveness, professionalism, and compassion throughout this process. It’s clear that you genuinely care about the pets and families you serve, and that means more than I can express. Thank you again for being there for us. I am incredibly grateful. Sincerely, Nicole Brown
5

out of 5

POSTED: | BY: Patty DeVersa

Easy ...fast....excellent service

Easy ...fast....excellent service
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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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