Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,204

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.8
  • 3.2
  • 4.5
  • Count
  • 23
  • 128
  • 7,204

Updated: May 29, 2024

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.

out of 5

POSTED: | BY: Jason Rourke

Claims processing takes forever with…

Claims processing takes forever with absolutely no notes for the customer or even their customer service reps. Keep getting told due to high value of claims and short staffing claims are delayed. When claims are finally processed, they will look for every reason NOT to payout a claim, even with proper documentation and letter from the vet. I would drop this insurance company if I didn't have to worry about pre-existing conditions under a new policy.

out of 5

POSTED: | BY: Sandra Schnefke-Dillard

Geriatric review

It appears to be a slow process. Having to do all online is challenging for older clients just sharing from an 80 year old

out of 5

POSTED: | BY: aac

Easy to file & quick response time

Quick response time although I have yet to receive my payment. Easy to submit a claim. Only getting about 60% of my claim paid due deductibles, percentages, and uncovered expenses.

out of 5

POSTED: | BY: Larry Bowen

I am turning 70 this year and have…

I am turning 70 this year and have never purchased pet insurance before. We have three very high maintenance dogs and have been very satisfied with our Claims experience at pets best. we had mentioned your company to everyone we run into with a dog.

out of 5

POSTED: | BY: Isabelle

They make it so easy to submit my claim…

They make it so easy to submit my claim through the app and they don’t make me jump through hoops to get my reimbursement. If you have a long hospitalization bill it does take a while to get the reimbursement (one claim took about two months) but that’s really the only negative. I would have had to euthanize my cat if I hadn’t had this insurance.

Monthly Cost

$6 and up, depending on your chosen plan.


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.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.


$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.


Pre-existing conditions are not covered. Elective and preventive procedures are not covered.
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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