Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Salty Paws Animal Hospital

POSTED: | BY: mary

Switched to Pets best and so far they are very good about responding and paying claims.

I needed coverage on my puppy as she is so active. So far the first claim I submitted was paid right away. They are working on the most recent involving spaying but send me updates frequently. I'm pleased with them
1

out of 5

POSTED: | BY: Jill Gorelick

I joined this company a little over a… one year ago

I joined this company a little over a year ago when I switched from Nationwide Pet Insurance. Although it takes them a while to process claims for virtually no particular reason lately their website is messed up. You can’t submit claims online, it takes forever to get someone on the phone, emailing to their claims department and they are not entered into the system after almost 2 weeks. It’s really a mess and if they don’t have enough people on staff to handle getting the claims put into the system then they’re just gonna lose all their customers and I’m probably gonna be one of them. I can’t get any good answers from their people except that they’re backed up and should be processed in 2 to 4 days but it’s now 10+ days for one claim and four days for another and it’s not even in their system yet.
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5

out of 5

POSTED: | BY: Araceli Carreon

I recently submitted my first claim for…

I recently submitted my first claim for my golden retriever, and overall the experience was great. The online system was having trouble uploading my vet invoice, so I called in. They immediately apologized for the inconvenience and gave me a direct email to send the bill so they could process the claim. It took about a week or so, and I received my reimbursement pretty quickly. So far, I’m really happy with the service. I’ve never had pet insurance before, but based on this experience, I definitely recommend it.
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1

out of 5

POSTED: | BY: VW

First Experience Nightmare

It has taken from 8/4/2025 until January 21, 2026 to finally get my claims processed. I can’t express any compliments on my fist experience.
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2

out of 5

POSTED: | BY: NOEL FIORE

Takes FOREVER to process claims, annoying website

I’ve been with pets best for a couple of months now. At first the website was going through changes and I couldn’t log in (it still requires unnecessary authentication each time) and the app wasn’t working. Now the website and app are a little better but claims take forever. Like 4-6 weeks to process even if you upload all of your pets medical records AND they have your vets contact info. So frustrating. I have received so many “sorry for the delay” emails.. I’m going to explore other options. It’s too bad because they offer great insurance and could be so much better.
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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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