Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,884

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: Mark

Always dependable

"Pets Best has made taking care of my dog Hana much less of a burden, financially at least. At her age and with her condition, she's relying on a lot of vet visits, testing and medication and they help me out consistently. I refer all of my pet friends/family to them.
5

out of 5

VETERINARIAN: Union Lake Veterinary Hospital

POSTED: | BY: Karen

Peace of Mind with Dog Illness using Pets Best

Recently had a medical concern with my 90lb dog, Pete. Lots of testing and quite expensive. Pets Best insurance gave me peace of mind knowing a claim could be filed and I wouldn't be responsible for thousands of dollars in vet bills. Dog is ok and being monitored. Claim was simple to file and my reimburesement was appreciated.
5

out of 5

POSTED: | BY: Chris Maddeford

American Bully Ares

Since 2021 we had our American Bully Ares, we had Pets Best Health Insurance. After two years he developed head tremors and epilepsy, Thanks to Pets Best insurance we were able to provide Ares with the best healthcare available because of Pets Best affordable insurance. We were always reimbursed for 90% of up-front costs on claims. Payments were always refunded in allotted time. Unfortunately we lost Ares March 05, 2026 he didn’t recover from his palate surgery to help him breathe better. Through this horrible time Pet best was with us through the process, and we are extremely thankful for them! Ares claim was $8983.55 , Pets Best refunded us and the hospital on claims.
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5

out of 5

POSTED: | BY: Ann Marie van Geuns

I love Pets Best

I love Pets Best. Never a problem submitting claims and the payments are timely. Also customer service staff are friendly and easy to work with.
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5

out of 5

VETERINARIAN: Shenandoah Veterinary Hospital

POSTED: | BY: Deirdre

My dog is the poster child of pet insurance

Since I adopted Mowgli 5 years ago, he's had 3 instances of serious medical attention: splenectomy, leg amputation, and left over splenetic tissue acting out (years after the splenectomy!!). Each instance was over $5000 and Pets Best is the only reason I was able to afford his care. I can't tell you how relieving it is to not have to consider the cost of life saving treatments when I know I'm getting 90% of it back with his plan- and he definitely does need the premium plan, if you can't tell!! I tell everyone who comments on his maladies that pet insurance is the reason why I'm not destitute and he's still alive.
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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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