Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,317

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.9
  • 3.3
  • 4.5
  • Count
  • 22
  • 124
  • 7,317

Updated: January 26, 2024

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: Richard

Smooth and efficient Claim

Claim submission went well and the service was excellent. All delays were courteously followed up with email notifications. Fair reimbursement for services submitted. Thank you.

out of 5

POSTED: | BY: nancy schwab

Pets Best is a STELLAR company

Pets Best is a STELLAR insurance company. Submitting a claim is a breeze. The status of the claim is easily visible, and the payments are prompt. I have recommended this company to my friends and spread the word to my veterinarian as well. I highly recommend them!

out of 5

POSTED: | BY: Melissa Hernandez

Denied ALL claims

I am leaving a negative review for this pet insurance due to them denying all claims submitted for my baby boy Lucas. He is a Frenchie who gets into everything. His vet suspects he got into cat poop and as we have several feral cats around the block, it seems reasonable he did. The vet recommended insurance as he said this breed is very subjectable to parasites (giardia is what he was diagnosed with). He was treated for this several times, getting better, then re-infecting himself. We had to stop letting him out and be himself due to our concern he would get sick again. He was also eating his poop, which of course did not help. But, he's a Frenchie so we went with the flow and advise of what we could do to address it. Finally decided to get him insurance. He starts getting sick again, giardia was the diagnosis along with coccidia. Treated him and he is now better. The 4 claims that I submitted were all denied due to his condition being deemed "pre-existing". It's not cancer! He did not have liver problems! How is this pre-existing if he gets better and then gets into things he shouldn't (accidental if you ask me). I read other reviews on Instagram and people share the same issues with this company. Also, please be advised I personally submitted my baby's medical records as I received emails from the company indicating they reached out to the vet and did not get a response. When I checked with the Vet, they indicated they received no such request. I personally submitted the records, then received an email weeks later, stating they were waiting for records from the vet. This is crazy! I canceled my policy as the cost for the insurance, is half my vet bill. Just be careful when shopping for insurance, not just because the price is good, does it mean they will provide you adequate service.

out of 5

POSTED: | BY: zoe mei

Efficient and straightforward

efficient and straightforward claim process, near immediate reimbursement. I wish human insurance were this competent. luckily my first and only time using PetsBest so far has been for an annual check-up and vaccines, but I am grateful to have a sense of PetsBest quick processing time for future reference.

out of 5

POSTED: | BY: Brittany Worden

Easy and affordable

Easy claim submission, great customer service, quick reimbursement, premiums are affordable.

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

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.


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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