4
out of 5
POSTED: | BY: Eddie
High cost
High cost, and payout seems minimal. But good to have in an emergency.
Read more on Trustpilot
4.3
out of 5
Number of reviews 14,111
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: Tracy Garza
I have been very happy with PetsBest
I have been very happy with PetsBest. I don’t plan on ever having an animal without this protection. I highly recommend this company.
5
out of 5
VETERINARIAN: Mid Island Veterinary Practice
POSTED: | BY: Virginia Giachetta
Another bump
The vets and their staff were both professional and empathetic towards me and my pet. My previous vet closed up shop in February 2025 and the road has been difficult. We almost lost my dog in March. We have been going to specialists for 6 months. This was the first time going back to a vet for normal care and we are so happy with them.
5
out of 5
POSTED: | BY: Scout
Pet's Best is with you every step of the way
Pet’s Best was recommended to me by my veterinarian, Dr. Lloyd Pilch, who told me: “Of all the insurance companies I’ve dealt with, Pet’s Best is the most reliable—quick to pay and without red tape.” He was absolutely right.
I signed up based on his recommendation, and Pet’s Best has never let me down. When my dog Max was diagnosed with discospondylitis, I was devastated—but Pet’s Best supported us through every step, from MRIs to treatment. When he passed, they covered his euthanasia and even sent a heartfelt card, which meant so much to me.
I’ve now insured three dogs with Pet’s Best and continue to be grateful for their compassion, reliability, and efficiency. The peace of mind they provide is worth every penny. I’ll always choose Pet’s Best for my pets.
5
out of 5
VETERINARIAN: Country View Veterinary Service
POSTED: | BY: Jeffrey Griffith
Exceptional!
Pet Best has exceeded every possible standard I can image. The online claims process is simple and straightforward. The claims have been handled promptly and the explanation of benefits have been presented in an easily understood fashion.
My dog George has suffered through multiple surgeries and serious illnesses. It is a great comfort to know that with Pet Best I do not have to make any compromises in the quality of her care
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 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.