Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,166

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.3
  • 3.3
  • 4.5
  • Count
  • 14
  • 117
  • 7,166

Updated: January 26, 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: Lauren Lucas

The Best For Your Pets

PetsBest is absolutely! They have made my experience with them so simple and easy. They are very responsive about what is going on with my claims and if I need any help with anything. I truly have no complaints. Having PetsBest on all three of our fur babies has definitely given us peace of mind. Thank you so much to the PetsBest Team!!

out of 5

POSTED: | BY: Marlene Daniels

Easy and fast claim process

I have filed several claims throughout my dog’s cancer treatment. It’s super easy to file online or through the app. You answer a couple of questions and upload a receipt. They give you a timeframe of 5 weeks for the claim but it’s usually faster than that. All my claims (between July and November 2023) have been reviewed, approved and paid out within 2 to 3 weeks. Pets Best have literally been a life saver. Highly recommend them to anyone looking for pet insurance.

out of 5

POSTED: | BY: Nicole Russell

Should be named Pets Worst

I filed three claims with them after my waiting period was over. The first was for an allergic reaction related to an MCT, which was accepted and paid part of my deductible. The second was for a follow up visit due to continued health problems from the first claim. Suddenly the MCT is pre-existing and they denied my claim. The third claim was for a righty to remove the MCT and a benign fatty tumor. Again my claim was denied because they decided the MCT was now pre-existing and in addition decided the benign fatty tumor was pre-existing as well. I want to make it clear that the MCT itself was not diagnosed until a wellness exam that occurred after the waiting period. Seems to me they just didn’t want to accept the last two claims because I would have then met my deductible and they would have had to pay out on the third claim. They want to take your money and not help your pet.

out of 5

POSTED: | BY: Jim Saxon

Great service, flexible policies

Claims filing easy and typically receive payment within 30 days.

out of 5

VETERINARIAN: Airway Animal Hospital

POSTED: | BY: Maribel Isbell

Best prompt service

My dog had surgery and PetsBest did an excellent job processing the insurance claim. Will recommend the insurance to other pet’s owners.

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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