Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

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.
1

out of 5

POSTED: | BY: Teri

Canceling my coverage

I have had Pets Best insurance for 2 dogs for 4 years. they were puppies when we got the insurance. started at $ 60 a month for accident and wellness coverage NOW over $ 90 ea ch. monthly. No accidents just wellness has been turned in for reimbursement. Since Oct 2025, their website is broken. You have to call and wait a minimum of 25 to 45 mins for a live person to discuss how to submit your annual wellness claim. They are polite and give you a no answer answer why the you can't submit your claim. I am cancelling at the end of this month and getting insurance someother place.
1

out of 5

POSTED: | BY: Dez S.

The app and website login never works

The app and website login never works. I cannot see the status of my claims, submit claims, see my benefits, or even ensure my payment method is up to date.
1

out of 5

VETERINARIAN: Eye Care for Animals

POSTED: | BY: Christine

UNABLE TO SUBMIT CLAIMS

I have been with Pets Best for 5 years without any issues until this month. My dog needed eye surgery and I have been unable to submit any claims for this surgery. I have tried calling customer service and keep getting stuck in menus until the system hangs up on me, I've emailed claims@petsbest.com & customerservice@petsbest.com with no answers. I've tried submitting through the website AND app. NOTHING. I'm now leaving bad reviews and terrible survey results in order to get someone's attention to help me. Expensive surgeries like this are the main reason I have pet insurance so the fact that I can't use it for this makes me extremely upset. PLEASE RESPOND.
5

out of 5

VETERINARIAN: Rocky Gorge Veterinary Hospital

POSTED: | BY: Sharon

Great Service

Customer Service was stellar!! I had a lot of claims to submit at one time and they were very helpful and thorough. Claims were processed quickly. I highly recommend recommend Pets Best.
5

out of 5

VETERINARIAN: Del Norte Animal Clinic

POSTED: | BY: Jessica

Not having to worry about the financial piece of a hard situation makes it easier

My girl has been battling cancer (and winning thankfully) and we have unfortunately had to use our insurance frequently. Pets Best has been fair in their resolution of the claims and the explanation of benefits is easy to understand. Sometimes the claims take awhile for reimbursement, but I've found they rarely take more than a month. Having insurance I can count on has made this battle much easier as I know the financial burden isn't as great as it could be. I have recommended Pets Best to many friends.

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 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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