Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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: Edward Majewski

Pets Best is amazing

Pets Best is amazing. Wonderful customer service. Rates and coverage options to fit any budget. The claims process is simple and works seamlessly with prompt processing. I highly recommend Pets Best and am so glad to have them to assist with our pets health care needs.
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5

out of 5

VETERINARIAN: Lighthouse Animal Hospital

POSTED: | BY: ELEANOR

I have had a good experience with Pets Best Insurance

Claims are processed in a timely manner. Explanations are detailed and accurate. When I have called for info on how to file a claim, it was easy to speak to a person, and she was knowledgeable and helpful. Overall, I am very happy with this coverage for my dog.
2

out of 5

POSTED: | BY: Robin

The claims dept doesn't read

The claims dept doesn't read. They sent my claims back saying it needed more info and hospital records without giving me the invoices that were in question, dates or anything at all that would be helpful. I spent over an hour on the phone with someone trying to figure out what the problem was. Claims simply didn't read the invoice and passed it off. They need to look with their eyes, not their keyboard!!! Very aggravating.
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1

out of 5

VETERINARIAN: Gibbons Veterinary Hospital

POSTED: | BY: James

PetsBest Cannot Claim Website Issues

Our Vet submitted handwritten receipts for our 2 claims for Nov/Dec. PetsBest denied BOTH claims claiming "unreadable" but never contacted the doctor ! Petsbest never took the time to read purpose of visit & associate the line entries. Then...I reviewed the Vet Notes and w/o ANY medical experience translated every single word for PetsBest, who only then (after 4 weeks of nonsense Emails/US Mail Letters) settled our claims. PetBest claim reviewers must be Button Pusher Interns who REJECT rather than READ. THIS HAPPENED THOUGHOUT ALL OF 2025 ! Their Website crashed & it took 8 WEEKS TO PROVIDE ANY PORTAL ENTRY OR RESULTS VIA WEBSITE. WHO IS THE "IT FOR PETSBEST"? Nobody takes 8 weeks to get a website updated or back up online
5

out of 5

POSTED: | BY: Jim

We love Pets Best

We love Pets Best! They have been fantastic with claims and reimbursement of those claims.
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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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