Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,408

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: Alan

Overall Experiance

The ease of filing a claim. Calling in is also so easy. Whenever I call in I am greeted by a representative who wants to help me. They listen to what I ask & answer my questions. My claims are paid out in a timely manner. I was referred to Pets Best. This was the best discission I made.
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5

out of 5

VETERINARIAN: Bull City Veterinary Hospital

POSTED: | BY: David Fish

Pets Best IS the best :)

Last year, we had a beloved, uninsured dog die of epilepsy. So, we immediately took out a Pets Best policy as soon as we adopted a new puppy. (We didn't expect to need it as soon as we did.) Pets Best no-fuss process for handling our claim was greatly appreciated! We will certainly recommend them to other owners at our neighborhood dog park. :)
4

out of 5

POSTED: | BY: John Erickson

Pets Best Insurance Review

Pets Best offers a user-friendly app that makes filing claims quick and straightforward, which is a huge plus for busy pet owners. Their customer representatives are friendly, knowledgeable, and easy to reach when needed. While the overall experience is positive, claims processing can sometimes take longer than expected, occasionally up to a month. It would be helpful if the app provided more detailed updates on the status of claims during that wait. Despite this, Pets Best remains a solid choice for pet insurance thanks to its responsive support and easy-to-use platform.
1

out of 5

POSTED: | BY: Israel Cabreros

I do not recommend Pets Best Insurance

I do not recommend Pets Best Insurance. I had a frustrating and disappointing experience that shows this company lacks transparency, responsiveness, and accountability. I submitted a claim for my cat Kage and was told to provide vet records for a date that never existed. I explained this clearly, provided the only valid records from 2020, and still received repeated emails asking for documentation from periods when we didn’t visit any vet. It felt like a deliberate tactic to deny reimbursement. On March 11, 2025, I canceled the policy via email and phone due to how poorly the claim was handled. I even followed up again by email on March 15 to reiterate my cancellation, stating I could no longer provide “nonexistent records” and that this policy was already canceled. Yet they kept billing me for the next four months—March through June. I called again on June 23, spoke to a rep named Zair who said a manager would review the emails and backdate the refund, and that I’d receive a confirmation email and phone call. Neither ever came. On June 30, I called yet again and spoke with a supervisor, Bassem, who admitted they hadn’t seen the email cancellation and only then confirmed that the policy was canceled. ❗ Additional Red Flag: Pets Best Insurance is NOT BBB accredited, which should be concerning for anyone seeking a reputable pet insurance provider. This was a stressful, time-consuming, and avoidable experience. Pets Best made a difficult time even harder—and I’m still waiting for a proper refund and acknowledgment of their errors.
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5

out of 5

VETERINARIAN: Bay Animal Hospital

POSTED: | BY: Duke Chenoweth

Pets Best - A Great Pet Health Insurance Company

"Pets Best has the best claims processing in the business. The submission is very easy and submitting bills takes only a minute or two. Once the claim has been submitted you can follow the progress online at Pets Best. The company turns even complicated bills around very quickly and claims are paid directly to my bank electronically. My dog Jack, had ACL surgery followed several years later by spinal surgery and both these very large claims were handled perfectly and my reimbursement was paid quickly without comment. My relationship with Pets Best has always been first class and I encourage all pet owners to include Pets Best whenever they are looking for a new pet health insurance relationship! Sincerely, Jack the dog and Harry Chenoweth the dad!"
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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. More information is available at checkout. 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. #200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. 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.

Abbreviated versions of the disclosure are available for marketing materials with limited space. Example:

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. For terms and conditions visit: https://www.petsbest.com/policy. Products are underwritten by American Pet Insurance Company (NAIC #12190), or Independence American Insurance Company (NAIC #26581), and administered by Pets Best Insurance Services, LLC, (NPN #8889658, CA agency #0F37530).

Additional UW Disclosure for Licensed Partners:

Pets Rule LLC (NPN: 19325415) ; In California under PETS RULE INSURANCE AGENCY (NPN: 19325415) CA license 6000647) is a licensed insurance agency. Pets Rule LLC does not underwrite pet insurance or pay claims but receives compensation on sale and/or renewal.

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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