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.
1

out of 5

POSTED: | BY: Juan

Worst pet insurance ever ...by far

I switch to this company because Nationwide was getting more expensive. WHAT A HUGE MISTAKE. This company treated you like your worst enemy when you file a claim. On top of that asked for records, when in 10 years with Nationwide (previous pet) they paid without records and received a detailing explanation of benefits for the deductions. Please do not buy this insurance, in my opinion, based on my personal experience, is the worse in the market. They will gladly take your money for premiums, but as soon you file a claim, you will find out I am correct. Went back to Nationwide.
5

out of 5

POSTED: | BY: Sonya

Very Pleased

I have multiple pets insurances with Pets Best. In September 2025 my female husky who was 7 tore her CCL my claim was submitted and I was reimbursed in a little over a week. 3 weeks after her surgery my male husky who was 6 tore his CCL. Again his claim was processed and I was reimbursed within 2 weeks. I don’t know how I would have been able to get both my dogs the medical attention they needed when they happened so close to each other. I highley recommend Pets Best to anyone looking to insure their pet!
5

out of 5

VETERINARIAN: Vistancia Animal Hospital

POSTED: | BY: Dawn

Great Pet Insurance

I love that I can count on my pets injuries being covered. It gives me peace of mind.
5

out of 5

VETERINARIAN: Maine Veterinary Medical Center

POSTED: | BY: Jason

Thankful

"My cat Macy has chronic on acute kidney disease and it's been a long road and she is doing well and has a good quality of life considering . I'm thankful for the support and helping with some of the financial burden as it can add up fast. In turn the fast return of funds for what was covered to put back in my savings. Thank you! "
5

out of 5

POSTED: | BY: Kimberly Morley

Great to work with

Responsive, friendly, and easy to work with.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review