Pets Best | Pet Insurance Review


out of 5

Number of reviews 10,451

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.2
  • 3.0
  • 4.5
  • Count
  • 18
  • 92
  • 10,451
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: Karen Graham

I sleep better with Pets Best

I have Pets Best for both of my Dobermans since they were puppies. Have had zero problems with claims except sometimes it takes a bit to get processed. Easy to submit a claim and if they have questions they contact my vet.

out of 5

POSTED: | BY: Matthew Kandell

Your claim will be denied

I signed up and recommended to my uncle who also signed up. Both of us had our first claims denied on technicalities. I have zero faith that they will pay claims unless they are appealed. In reality disappointed in their customer service and lack of human interaction.

out of 5

POSTED: | BY: Zoe Drake

Pets Best is the best!

Purchasing Pets Best was one of the best decisions I ever made for my dog and my wallet! The plan I chose covers 90% of all accident and illness after a $250 annual deductible, with an unlimited annual cap. The benefits have paid for the low monthly premiums many, many, many times over the the life of my dog. And, unlike most insurance plans these days, the Pets Best explanation of benefits is always 100% accurate - I never find any inappropriate denials or incomprehensible language, so I never dread having to argue about coverage with an anonymous representative speaking a language different from mine! Pets Best has really come through for us and I am really very grateful - I only wish I had also purchased the wellness benefit when my pup was a baby! Thank you Pets Best! You’re stuck with us!

out of 5

POSTED: | BY: Katherine Perez

Pets best is horrible

I purchased a pets best policy for both my dogs several months ago.I finally needed it because I had 2 lipomas taken off both my dogs and none, I mean none went towards my deductible.They denied it.I'm really disappointed and will be cancelling my policy really soon.I know now they wouldn't pay towards anything critical, also they took almost a month even look at the claim.Bad service all the way around.I would not recommend them to my worst enemy.

out of 5

POSTED: | BY: Christian Gomez


I took my dog to the vet, my claim got denied and it should be paid. It doesn't list with what's not covered.

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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