Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 15,145

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

POSTED: | BY: Judy

Very impressed

"My Persian got sick and I had to rush him to vet, having health insurance on him wasn't even on my mind, but once we got home and settled in I remembered that he had ins so I open my app and it was so easy to file a claim, all I had to do was upload my invoice and receipt. To my surprise I was notified immediately that they received my claim and was processing it. The next day I received a noticed that the claim had been processed and attached the explanation of benefit showing a break down of how it was processed. I was so impressed of the timely manner in which all this went down. In less than a week I received a check in the mail. I couldn't ask for better service. I would and have highly recommend Pets Best to anyone that has fur babies. Thank you for such a nice experience in such a difficult time. "
5

out of 5

VETERINARIAN: Granada Animal Hospital

POSTED: | BY: Cheryl

Fantastic

Very pleased. Process
5

out of 5

VETERINARIAN: Hill Country Veterinary Hospital

POSTED: | BY: Elizabeth

Peace of mind

Pets Best Insurance gives me peace of mind for my pet’s healthcare. I know that I can provide whatever my veterinarian recommends, and my claim will be handled accurately and promptly.
5

out of 5

VETERINARIAN: Animal Clinic of Billings

POSTED: | BY: Vita

Pets Best lifesaver

"It has been a hard spring for our family. First we found out our older Akita mix had bone cancer which lead to a rear leg amputation. The vet felt we could get another year or so of life from her with amputation since her other back leg was solid and the cancer had not spread. A week after the amputation devastation happened, she developed GDV (bloat) and could not be saved. At the same time our shepherd mix got into a tangle which we thought was a cat (but vet thinks dog) and developed a serious leg infection. These two things were happening simultaneously and the vet bills grew. We are still fighting the infection 5 weeks later. Pets Best was quick to respond to our claim. We are thankful to have had Pets Best as our pet insurance for the past 5 years. "
5

out of 5

VETERINARIAN: Baltzell Veterinary Hospital

POSTED: | BY: Deborah

Marley’s Story

"I was born on July 15-2025. I'm a (parti- ) miniature schnauzer. I'm a black and white spotted dog!! My new adopted Mom, Deb, came to pick me up on September 25-2025. I fell in love immediately. My new BFF Nicole(Deb daughter), also came that day. I was so happy and they seemed very happy too. We traveled for about four hours back to my new home in rural Oshkosh, Nebraska. Deb insured me right away and the took me to the Vet Clinic 45 miles away, for more shots and a well check. We returned to the Vet Clinic because I wasn't gaining weight and had stomach issues. So they took tests and gave me medications. This went on for a few months with not much improvement. Then I suffered a dog attack( a very large dog, tried to use me as a chew toy). Off we went to the Vet Clinic and the doctor told us I was very lucky to have lived! I had surgery and they closed up all my holes. I had to spend the night. The next evening I was able to return home!! My BFF, Nicole is a Vet Tech, so I was very lucky. She had to bandage me. It took about six weeks to recuperate. I had another surgery to close up my largest wound, Meanwhile I still had stomach issues and had to frequently vomit with very little weight gain. They preformed more tests. Finally my Vet recommended some special testing be done. We had to travel for 3 hrs to Ft Collins, Co. we went to Colorado University Veterinary Hospital. It's a great big place and everyone was so nice! The took a bunch of test and they changed my food and told us We had to travel for 3 hrs to Ft Collins, Co. we went to Colorado University Veterinary Hospital. It's a great big place and everyone was so nice! The took a bunch of test and they changed my food and told us to wait for the test results. They suspected a thing called a liver shunt! We travel back home. They called with the results about a week later and said I would need surgery. They scheduled it for a couple weeks out ano then we knew we had to travel back to Colorado again. I like my Nebraska Vet friends but now I had Colorado friends too. The time came for me to go to Colorado for my surgery. It was scheduled for a Monday morning on May 4th. I had to spend the night in the hospital. I was released the next day, we stayed in a hotel that night to be safe so if I had problems, I could go back to the hospital. We got to travel home on on May 6th. I have to follow my doctors orders and don't get to play or move around a bunch for the next two weeks but I'm hopeful everything will be great. I'm on my road to recuperation l am ever so thankful that my mom had the insight to get good insurance or l wouldn't be here today!! That's my story so far."

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 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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