Pets Best | Pet Insurance Review


out of 5

Number of reviews 7,145

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.6
  • 3.2
  • 4.5
  • Count
  • 32
  • 118
  • 7,145

Updated: November 13, 2023

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: Taylor Berry

LONG Approval Time

Overall I am satisfied with my claims being approved, I’ve submitted two claims and had no issues. However, both times it has taken over a month for the claims to be reviewed. It’s so disappointing, there’s no reason for it to take this long. So many reviews say the same thing. Hire more people!!! I’ve seen/heard that other pet insurance companies take around a week. Waiting over a month is insane in my opinion. I am contemplating switching.

out of 5

VETERINARIAN: Cheyenne Tonopah Animal Hospital

POSTED: | BY: Peggy Elias

Affordable Policy Designed to Fit My Needs

Pets Best Pet Insurance had many different options to fit my needs. I selected a 90/10 illness/accident policy since we do not have fleas and heartworm in my area, and I only needed protection for emergent illness/accident. The reasonableness of their monthly premiums allowed me to get higher coverage percentage at a lower rate than other companies' premiums. My pet then became ill and had to see a specialist. Pets Best has honored my policy and paid claims submitted in a quick and timely manner, alleviating some of the stress and burden associated with my pet's illness. Hats off to Pets Best for providing a quality product at a reasonable price. Me and my dog Oscar appreciate your company. Be sure to check out this company when shopping for pet insurance.

out of 5

POSTED: | BY: Mary Vida

Thank You!

My cat, Scout, after losing weight for a year, was diagnosed with Clostridium Perfringens. Having PetsBest insurance allowed us to get her the treatment and medications she needed to get well. Your staff, both on the phone and by email, was considerate, informed and helpful. I have since recommended PetsBest to my neighbors and friends, several of whom have bought policies for their pets. Thank you for your excellent service and quick response to my needs. It’s frightening when our little ones get sick so, having your insurance, gives us real peace of mind.

out of 5

POSTED: | BY: Rusty Jackson

PetsBest is truly THE BEST!

I'll be very honest, I was skeptical this pet insurance thing really worked. I'm happy to say I was very wrong!! Our dog racked up nearly $3,000 in vet bills over a 4 day period. PetsBest answered the call and reimbursed 90% of those bills (per the coverage I have). They are GREAT! I would HIGHLY recommend them!

out of 5

POSTED: | BY: Valerie Blechar

Disappointed with coverage

Our dog's tooth cracked and she had to have it extracted. Part of the extraction process involved teeth cleaning, and Pets Best refused to cover this charge even though it was not a preventative cleaning. We called them to explain this and they still refused to cover it.

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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