Pets Best | Pet Insurance Review


out of 5

Number of reviews 10,419

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.3
  • 2.9
  • 4.5
  • Count
  • 24
  • 86
  • 10,419
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: Phyllis Sures

Love it!

Very easy to submit claims and prompt service.

out of 5

POSTED: | BY: Kathy Albert

Pets Best is the BEST

We decided to get pet insurance when we adopted Tizzy at 4 months. Our niece recommended Pets Best and we have never been disappointed. We have filed 3 claims over the past 6 years. The ease of submitting the claims and receiving payment were outstanding. Our premiums are in line with other companies, but we love is their customer service. Always there to answer questions, give information, and with knowledge and courtesy. We love our Pets Best insurance and tell others about it all the time.

out of 5

POSTED: | BY: Cali Weber-Suarez

Please.... look elsewhere!!

I don't think I have enough space to write all of the issues that I came across when dealing with Pets Best! The name implies that they're going to take exemplary care of your animals and their families. When, in reality, they take exemplary care of their own checkbooks! They will do everything in their power to deny your claim. Even when you follow the instructions given to you by a Pets Best representative, they still deny your claims. I could've even handled the funds going towards my deductible, but they flat out denied everything ~ after I was told exactly how to take my cat to the vet and apply for insurance by their representative. Steer clear of this company!!

out of 5

POSTED: | BY: porter bingaman

Company does not want to pay

Had procedure performed on my dog for breathing concerns. Vet put in treatment plane it was medically necessary. Claim was denied as elective, contacted company and was told to file an appeal. no communication since appeal was filed 30 days ago, was told could take up to 90 days when I contacted them.

out of 5

POSTED: | BY: Kim McNamara

Claim response time

Response to Customer service inquiries is wonderful. My biggest complaint is how long it takes for a claim 40-52 days, then once the claim is decided it takes another 5-7 days to get paid. You are looking at 2 months before reimbursement. Not a deal breaker if your claim is a few hundred. My claim total for my dogs last illness was close to $10,000. I used a credit card, 60 days for reimbursement is going to cost me close to $500 in interest. Pets best advertises that most claims take 7 days…..not true

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

Waiting periods are based on the effective date, usually the day after enrolling:

14 days for illness claims

3 days for accident claims

0 days for routine care


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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