Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,572

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

VETERINARIAN: Hometown Veterinary Hospital

POSTED: | BY: Bill

7 Dachshunds

Pets Best's $1,000 deductible with 90% payment and unlimited coverage has allowed us to cover all of our dogs with lower premiums while protecting us from the cost of serious illness or injury. The claim process is easy and we have needed to coverage on 3 dogs over the past two years. I recommend Pets Best to our friends.
1

out of 5

POSTED: | BY: J

Dismissive Customer Service and Wasted Money

Customer service was incredibly unhelpful and dismissive. This experience made the trauma of my pet's end of life very disappointing, upsetting and I felt incredibly unsupported. I also felt that the cost spent over the 12 years of my pet's life for pet insurance coverage has been an absolute waste based on this experience. I have spent thousands with this company to be completely dismissed for minor issues (stating all claimed medical visits were due to underlying issues with no medical evidence of such) or being told my pet's euthanasia would be covered with reimbursement when it was applied towards the deductible of a canceled policy for a pet that was no longer living. It is incredibly disappointing to place your trust in a company and to have them not be helpful, and customer service inconsistent, when you need it. I would not recommend this company to any other pet owners unless you want to do most of the work for their customer service team.
5

out of 5

POSTED: | BY: cindy

Josie

Josie was diagnosed with lymphoma in 2024. She has been undergoing chemotherapy treatments and has been able to achieve remission. The treatments are very expensive and the journey is ongoing. Petsbest has enabled me to give Josie the treatment she needs and we have been cherishing every moment
1

out of 5

POSTED: | BY: Colin

Avoid Pets Best

My claim was denied for a pre existing condition completely unrelated to the claim. Customer service is terrible and I spent hours on hold on to be told about a lengthy appeal process. I canceled the policy, never received my refund and spent hours on hold again chasing it down. Horrible company.
5

out of 5

VETERINARIAN: Veazie Veterinary Clinic

POSTED: | BY: Julie

Easy claims

All I do is take a photo of my receipt attach to my communication and a few weeks later, I receive a check after I have reached my deductible.
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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.
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