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: Lisa

Emergency Triage Denied as 'Office Visits' – Flawed Appeal Process

I am writing this to warn other pet owners about how Pets Best handles emergency claims. My dog, Maddox, required life-saving emergency care, yet the company denied reimbursement for mandatory 'Emergency Triage' and 'Specialty Transfer' fees. They are misclassifying these critical clinical requirements as elective 'office visits.' ​I followed their protocols and filed a formal internal appeal, which was denied on March 11, 2026. Despite providing evidence that these were clinical prerequisites for life-saving diagnostics, the appeal was a 'rubber stamp' rejection. Furthermore, my account still has unresolved discrepancies regarding diagnostic shipping fees that have yet to be addressed. It is frustrating to have to fight for coverage that is clearly medically necessary. Very disappointed.
5

out of 5

VETERINARIAN: Anniston Veterinary Clinic

POSTED: | BY: Jerrica

Great insurance

The claim process is very easy. The process wait time is a little long to get the decision and payment. But the insurance is great
5

out of 5

VETERINARIAN: Avery Ranch Animal Hospital

POSTED: | BY: Rosa

Claims

Easy to use with clear explanations of deductible and reimbursement
5

out of 5

VETERINARIAN: All About Cats Veterinary Hospital

POSTED: | BY: Jeanne

Easy process

Ready to file, great communication and quick payment! Thank you, very efficient.
1

out of 5

POSTED: | BY: Tyler

AVOID AT ALL COSTS

If I could sign up with any other provider I would. However, Pers Best decided that, due to a clerical error on the part of the vet, our cats asthma was “pre-existing” because it was diagnosed one day before their arbitrary waiting period - which again was a documented mistake. Let’s best doesn’t care, they see dollar signs and will stick you with every single bill the possibly can. Claim for teeth cleaning with anesthesia? NOPE you didn’t have it done within 13 months. Teeth cleaning within 13 months? NOPE uhh… here’s a new reason we made up. Ive had to report let’s best to the BBB and my states DOI more than once. I genuinely want the worst for their administration.
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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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