Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,906

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.
4

out of 5

POSTED: | BY: Dale Miller

Good quality service, though app is down sometimes

Site seems to be down fairly often, so I've had to come back to submit a few times... but claims process is easy beyond that and they've paid according to contract every time over the three years I've had them for our dogs.
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5

out of 5

POSTED: | BY: Kevin

Looking for Peace of Mind for your pets?

One of our cats recently had some health issues that needed emergency care. It resulted in four Animal Hospital/Vet bills. The format for submitting the bills to Pets Best was very easy to follow and any questions we had were promptly addressed. I also liked that they would follow-up and keep us informed as to the status of our claims all the way to our reimbursement. Throughout the entire process, we were extremely satisfied with our experience with Pets Best. Their fees are very affordable and they know what they are doing. We give them our highest rating! Look no further if you are looking for Pet Insurance for your pets.
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4

out of 5

POSTED: | BY: RP

Fair and Quick Claim Reimbursement

They are great about reimbursement for claims: quick and fair. Their rates beat other pet insurances that I’ve looked into. My rate increased significantly though this year.
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1

out of 5

POSTED: | BY: Sanora Sims

Research other insurances first

After further research, I find that there are better pet insurance policies available other than Pests Best. I spend $68/ month and it takes over a month to even hear anything back regarding any claims let alone what is covered for reimbursement and not. And their interface system is out of date, taking up so much time to simply login.
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4

out of 5

POSTED: | BY: Craig Taylor

4 out of 5

Normally I would put this all the way up to five, but recently there's been some sort of technical issue with their website. A month ago I have been unable to login to my account from a computer browser. Doesn't seem to matter if it's chrome, Firefox, or edge. I put in username and password and it goes to 403 Forbidden error, due to Microsoft Azure App Gateway. This naturally makes it hard to submit claims, etc. I had to download their app to get access to my account. I prefer the web browser as it allows easier access to vet bills to be added for claims. This is a recent issue, 2026, but this is going on six weeks now where have to rely on their app to access my account. Claims, support is all top notch otherwise. Highly recommend, but really need to get the online portal functioning.
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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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