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. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 7.9 8.9 9.1
Count 40 909 6557

Pets Best

10
Out of 10
Recommended
Insurer: Pets Best
Posted: 07/03/2020
By:
Joan A Berry

I have had other pet insurance companies and Pets Best is by far the best. Easy claim service, pretty quick reimbursement ( used to be a bit faster, but I'm sure they have more claims now than when I started with them). They have denied a couple of...

Injury/illness
Claim Amount
Breed

Shetland Sheepdog

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Pets Best
Posted: 07/03/2020
By:
Kathy

My Doberman went into Torsion (AKA Bloat) at 6 PM, right after our regular Vet closed so we rushed him to the closest emergency Clinic where they performed emergency surgery to untwist his stomach and save his life. I knew Pets Best had my back so I didn...

Injury/illness
Claim Amount
Breed

Doberman

Age of Pet
1 - 8
1
Out of 10
Insurer: Pets Best
Posted: 06/27/2020
By:
Sari

I do not recommend this insurance company. They will find any reason not to pay. They will never explain their reasons for not compensating. My veterinarian sent over records of my dog and they lied about not receiving them. You will pay every month and...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Insurer: Pets Best
Posted: 06/26/2020
By:
Jennifer

I could not be more disappointed... Let me preface this by saying that I am a "give them the benefit of the doubt" kind of person. I really am. However, these guys have fried my last nerve. 

I have had pets my entire life. I have never purchased...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
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. 

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

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

Exclusions

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.