Pets Best | Pet Insurance Review


out of 5

Number of reviews 10,419

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.3
  • 2.9
  • 4.5
  • Count
  • 24
  • 86
  • 10,419
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: d e

Horriible coverage for vet follow up instructions and pet food/medication needs

My pet had diarrhea in result of a possible allergic response and the medicines to help the allergy. He was pooping water every hour for 5 days. I requested that my VET recommend food and anti diarrhea medicine would be reimbursed. I had purchased these to get him better and did not analyze what was and wasn't covered under the policy as I needed to get him better asap and also I assumed that since this was all part of his treatment it would be covered. Your policy did not cover this. Ridiculous. Talk about not having a peace of mind for my pet. Its not like this is a normal issue. it was an emergency visit and follow up care.

out of 5

POSTED: | BY: Stacey Millett

Dissapointing, waste of money.

We paid for insurance when my dog was 3, now years later we need the support to care for my dog, we were denied and when I spoke to customer service on the phone to ask why we were denied the man did not even understand the policy and jumbled around to try and come up with an answer. It was baffling and the only solution was to file a claim that would take 90+ days to process. What a waste of thousands of dollars.

out of 5

POSTED: | BY: Jim Collins

Horrible !!!

I submitted several bills for our one year old pup. They denied over $1000 worth of claims and tried to say it was a pre-existing condition with his stomach. Just because one time when he was a pup, he ate some thing that did not agree with him and he got diarrhea. So anything stomach related, they say is pre-existing. Horrible company

out of 5

POSTED: | BY: Frederick Jestand

Money spent with very little in return

We have been paying $80+ a month for years to Pet's Best and we hardly ever get much back from them at all for our dog Rocket's Vet bills. With every claim submitted there's always some excuse or vague technicality they come up with. A total insurance ripoff. We're considering taking our business elsewhere if they don't start helping pay our Vet bills better than they have been. And believe me...we're not their only customers thinking the exact same thoughts!

out of 5

POSTED: | BY: Kelly Domitrowsky

Misrepresented coverage

I asked for wellness coverage and they never advised me that they did not activate the coverage and none of my claims processed

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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