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: Linda Parker

Surprisingly Great Experience

Two years in a row when she was 6 and now 7, my girl required surgery. Pets Best electronic claim filing is a breeze, turn around a matter of days, and direct deposit claim payment.

out of 5

POSTED: | BY: Maureen Southern

Substantial Rate Increase when claims are submitted

I finally submitted a claim for my dogs vet visits since it seems like she may have a bit of a allergy and ear issue. I submitted her vet records and bills and the very next day after I submitted them I got my rate increase with my renewal that was coming due. My rate increased by $122! The "explanation" for the increase is due to age. My dog isn't even 3 years old. It's pretty shady due to the fact that you can't go find another pet insurance due to their "Pre-Existing" clause. So my only option that I was told is I can change my coverage to lower my premium! That was the solution, So Now I will file and contact the department of insurance because this is a shady way to do business, not to mention they aren't allowed to increase rates due to filed claims. Absolutely disguested because they will continue to increase the rates year after year.

out of 5

POSTED: | BY: Carlos Ugalde

First time pet insurance user

Pets Best truly is great in handling claims and customer service. I've never used pet insurance in 30 years of owning pets and I'm totally glad I do now.

out of 5

POSTED: | BY: Narine Hazard

Waste of Money

I have been paying for this insurance for 4 years now and recently submitted several claims for my dog. I reached my $500 deductible, was reimbursed $21 for one claim and then my next claim was denied because they said it isn’t covered, but would be applied to the deductible I already met. What a complete waste of money. Do yourself a favor and set aside monthly what your premium would be in case of emergency. That will serve you MUCH better than this ridiculousness. .

out of 5

POSTED: | BY: Kristen Barton


I purchased Pets Best insurance for my dogs last year, and if it were not for them, I would not still have one of my dogs today. Their plans are very affordable, and payment is issued in a timely manner. I would recommend them to anyone

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.

Get a quote today

Leave a review