Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,906

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: Rik

Re-submitting claim made easy

"I had a problem where my vet did not submit my pets medical records in time. All of my claims were closed, not denied just closed. I was worried that I would have to resubmit them all over again with the medical records. But your representative was able to have the claims reviewed and she also confirmed that she received the upload that I did with my pets medical records. It was a huge relief. And it only took a few weeks for everything else to get resolved. I'm very thankful for her help and for Pets Best for helping me with my claim 100% satisfied! "
5

out of 5

POSTED: | BY: Shalan

How I Learned My Dog Is Actually a Goat (and Why I Got Insurance)

Blue, our first of three dogs, is also the first dog we’ve ever had to insure. Although he’s a German Shepherd/Husky mix, the evidence strongly suggests he’s part goat—given his passion for eating rocks, socks, and elastic. After three goat‑adjacent emergencies and some research, I decided to give Pets Best a try. You make everything so easy, and I’ll absolutely be spreading the word anytime pet insurance comes up. Highly recommend—10/10, would insure the goat again.
5

out of 5

POSTED: | BY: Allia Narvaez

Truthfully the best pet insurance i’ve…

Truthfully the best pet insurance i’ve ever had and at a time when I had gotten to the point where i felt it’s not worth having insurance. They’re very transparent, clear and great with communication. I’d say rather quick with the reimbursement. Also I just lost my baby and I appreciate that they emailed me that they’d be terminating his policy and reimbursing me for the month I paid which he wouldn’t need coverage for. It sounds silly but in my grief even the thought of cancelling a service he was using was a little heartbreaking. 10/10 would recommend
Read more on Trustpilot
5

out of 5

POSTED: | BY: Hugh Hammett

Very fair claims settlements

We’ve had Pet’s Best insurance for more than three years. The insurance, by no means, will cover all the pet’s bills, but it covers everything the contract says it will, relatively quickly and without hassle. Especially good for illnesses and accidents. Recommended!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Lisa

Pets Best is THE WORST pet insurance…

Pets Best is THE WORST pet insurance company. They will NOT reimburse for anything. My husband accidently closed our back door on our fur baby Cupcake. I submitted all the paperwork they requested dating back to 2024, and still nothing. They want to find a pre-existing condition so they don't have to reimburse, but this was something that happened on the day of our claim because we had to take her to our vet, and they will NOT reimburse us, DESPITE they are unable to find anything pre-existing. Insure your fur baby(s) with anyother company than Pets Best!!!!!
Read more on Trustpilot
Please leave a review

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 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.
Provider website

Get a quote today

Leave a review