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

VETERINARIAN: All Pet by Noahs

POSTED: | BY: Linda Bryant

Best ever

My dogs have been insured with several different companies and Pets Best has been the best of all of them by far. It is easy to file a claim, they didn’t ask for his entire veterinary history, and they paid fairly quickly. Fenway and I are very pleased with Pets Best!

out of 5

VETERINARIAN: Dunkirk animal hospital

POSTED: | BY: Robert Singleton


Pets best has been a great insurance for my pet

out of 5

POSTED: | BY: James Sutton

kiss your money goodbye

$4300 in claims post studies and surgery. $50 reimbursed. That's Pets Best math for ya!

out of 5

POSTED: | BY: James Sutton

Insurance worthless if problems are found to be congenital

If the problems your pet is presenting with are found out to be from congenital issues you can kiss the several thousand goodbye that you just spent to find that out. But even worse than that, if you have an insurance company that is unresponsive after the claim is denied, runs when you want to discuss it and doesn't respond to requests to be heard, then you must have Pets Best. Be smart and avoid them; go with another company. Your pet and you deserve a more effective partner in your pet's health.

out of 5

POSTED: | BY: Leonardo Enge

NEVER do business with these people!

It began when they started denying reimbursement for claims that were clearly covered by my policy. But now it’s worse: they sent me a $260 check that bounced! Citibank is charging me penalty for depositing a check that was unpaid!!! These people are thieves!

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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