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 6.7 6.7 9.1
Count 57 280 6782

Pets Best Pet Insurance Reviews

10
Out of 10
Posted: 04/03/2021
By:
Lezley
Stone

Submitted a claim on January 18th for my dog that had developed a mucocele and a spleen mass. The entire claim was over $4000.00. My claim was opened and closed 3 consecutive times declaring that they had not received proper information. This was...

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 04/01/2021
By:
Tonya
Pleimann

Pets Best Health Insurance is amazingly efficient, honest and accurate!
I have never dealt with a better insurance company ... and this includes my own health insurance! The process is easy and completely forthright in their decisions. I feel my...

Injury/illness
Claim Amount
Breed

Domestic Medium Hair

Age of Pet
Over 8 years
10
Out of 10
Posted: 04/01/2021
By:
Akansha
Sinha

This is the worst insurance I have ever taken 
They haven’t paid a single dime on my claims and said they don’t have proper records and cancel my claim without any reason
They are fraud , in every 3-4 months you get just one email saying we are...

Injury/illness
Claim Amount
Breed

Labrador Retriever (Yellow)

Age of Pet
1 - 8
1
Out of 10
Posted: 03/31/2021
By:
Danielle
Moody

This is the worst insurance...my claim started in January 2021 and it’s now the end of March 2021 and I have submitted my dogs medical records myself 3 times and they are still holding up my claims and today they said they have to call my veterinarian now...

Injury/illness
Claim Amount
Breed

Yorkshire Terrier

Age of Pet
Over 8 years
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.