Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 14,134

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

VETERINARIAN: Veterinary Referral and Emergency Center of Central Oregon

POSTED: | BY: Samantha Wheelis

Coverage and Reimbursement As Expected

I did not have to submit multiple documents for reimbursement. No unnecessary phone calls or drawn out process to get my claim submitted and paid. Once my deductible was met, I received the exact amount I expected back with no hassle. it did take a bit longer than I would have liked to actually have everything processed, but there was no hassle and I got everything I expected in the end.
2

out of 5

VETERINARIAN: Westside Animal Hospital

POSTED: | BY: Max Tsaryk

Unreliable

Extremely dissatisfied with the service. Payments are slow, and the processing of claims is slow. It makes the whole process unreliable and unsustainable for providing health care for my dog.
5

out of 5

POSTED: | BY: Leigh Kirsten

VERY PLEASED WITH INSURANCE

Great dog insurance company. Claims very easy to file. Very fast payout directly to my Bank of America account. Payout on routine wellness visit with necessary vaccinations was so reasonable. Highly recommend this insurance company. I chose no limit coverage and feel comfortable having the no limit coverage. I have this insurance on both my mini schnauzers.
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4

out of 5

POSTED: | BY: K Gardner

Pleased with first claim experience

I am satisfied with Pets Best and like their pricing and ease of filing a claim. I was surprised it took as along as it did for them to send me payment, which they acknowledged. Hopefully that was a fluke. It certainly wouldn’t cause me to seek out other insurance.
4

out of 5

POSTED: | BY: Albert L Angel

Satified with an exception

Overall, I have been satisfied with PetsBest. My biggest complaint is the time it takes to process claims. Much more often than not I get an email apologizing for the delay in processing my claim. On my latest claim I actually received two emails again apologizing for the delay. The claim was submitted on Aug 13, 2025 and not completed until 09/02/2025. Much to long. If not for that I would have given PetsBest 5 stars.
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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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