Pets Best | Pet Insurance Review

4.5

out of 5

Number of reviews 7,333

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.1
  • 3.3
  • 4.5
  • Count
  • 26
  • 130
  • 7,333

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.
5

out of 5

POSTED: | BY: Xiran Xu

Great experience

Great experience. Got the explanation of benefits very soon and the coverage details are listed clearly.
5

out of 5

POSTED: | BY: Kristin Cherry

Pets Best makes it really easy to file…

Pets Best makes it really easy to file claims and get reimbursed quickly. I’m impressed.
2

out of 5

POSTED: | BY: Amanda

Better options elsewhere

Really just doesn’t cover all that much. I pay for the wellness and preventative coverage option, but nothing is ever reimbursed. There are other pet insurance companies out there that have much better wellness reimbursements.
1

out of 5

POSTED: | BY: Gayle Gwozdz

Much higher rates in 2024, much lower ratings/reviews!

I have had Pets Best since I got my dog 5 years ago. I have never submitted a claim and fortunately, my dog is pretty healthy. I noticed starting 2 years ago that their prices were increasing by leaps and bounds compared to other insurers and they were also dropping in the ratings. I have a $1,000 deductible on my plan and I have never submitted a claim. Last year the price increased by $100 with no additional benefits offered. This year, however, the price increase was astronomical in my opinion. The price went from $401 last year to $628 this year!!! That's an increase of $227 and I have the highest deductible possible!!! I can see why they've dropped out of the top 5 recommended pet insurers. If for no other reason, their prices are out of this world! I think it's probably time to look for another insurer - one that is ranked higher with their member reviews and also one that is ranked higher by the companies that rate pet insurers. Additionally, when I called their "Vet" helpline, no veterinarian was present to answer my questions. The girl answering the phone was a vet tech who seemed to know less than I did about dogs. She had to look up the answers to my questions AND then she gave me incorrect advice. Fortunately, I did not listen to her since she did not sound credible. I complained about the fact that they advertised having a vet available when this was untrue, but it was to no avail. I wonder if perhaps that is why my rates increased so much this year...
1

out of 5

POSTED: | BY: Daniel Lohrman

Petsbest Has Gone Downhill

Petsbest use to be amazing. However, I am not struggling to have them pay. The claim was approved with a statement of how much they would pay. However, the money has not been deposited and every time I call Petsbest I am told to wait a few more business days. Every time I talk to someone I am given a different excuse as to why they haven’t paid. I use to recommend Petsbest but I will not recommend them anymore.

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.

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.
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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