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

9.2 Out of 10
60 Days 1 Year Lifetime
Rating 7.7 9.4 9.2
Count 71 1969 5944

Pets Best

10
Out of 10
Recommended
Insurer: Pets Best
Posted: 10/11/2019
By:
Sue

I have been happy with coverage. I designed my policy with a high deductible and low yearly premium with the idea that it would be there for a major event to help. Twice I have reached the deductible because of an on-going digestive issue that requires...

Injury/illness
Claim Amount
Breed

Havanese

Age of Pet
10
Out of 10
Insurer: Pets Best
Posted: 10/11/2019
By:
JESSICA

If your looking for pet insurance look else where, this company is a scam. I've been paying out of pocket for my dog and with thia insurance they keep denying me saying my dog has a pre exisiting condition. How does my dog have a preexisiting condition if...

Injury/illness
Claim Amount
Breed

Staffordshire Bull Terrier

Age of Pet
1 - 8
1
Out of 10
Insurer: Pets Best
Posted: 10/08/2019
By:
Daniela Martin

Just a head ups, pets best will not help you in any way unless your pet is very sick and dying but not when you noticed abnormality on your pet and decided to get it checked, and advised by the vet to get ultrasound done to check everything and if it...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

Age of Pet
1 - 8
10
Out of 10
Insurer: Pets Best
Posted: 10/04/2019
By:
Kelsey

Prices go up yearly. Claim process takes week, so even though they say they will pay the vet directly no vet will wait weeks for payment so you have to pay up front. Then they mailed the reimbursement check to the hospital even though I filled out all of...

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.