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

9.0 Out of 10
60 Days 1 Year Lifetime
Rating 5.6 6.2 9.0
Count 25 274 6894
Out of 10

Much better than the competition

Posted: 01/24/2007

After dealing with VPI for several years, and never being paid anything close to what was claimed, I have found Pets Best to be a refreshing alternative to the other companies. While it may have taken me a week or two to get reimbursed, VPI always took 2-3 months, and after all that wait I never received half of the actual bill.

Claim Amount
Age of Pet
Out of 10

Too many problems

Posted: 11/21/2006

In January one of my cats became severely ill. We did everything we could, and for the first time ever we had money in the bank. In the end we had to euthanize her. It was terrifying to think that we could have wiped out all our funds to cure her, then what if she got sick again, or one of our other five cats? Two weeks later I picked Pets Best and started the pets first plan. In August, I added the wellness first for all of my cats. During this time, I have had one wellness claim and two illnesses.<br><br>
What I like. They claim you can use any licensed vet worldwide.Since moving overseas is a real possibility for my family, this was important. The deductible is $75 then they pay 80%. No weird benefit schedule or categories of coverage. Customer service reps have always been friendly and curteous with no excessive wait times. With both wellness and illness policies, they will apply wellness benefits first then the illness benefit. The result is getting paid more than if they just used illness coverage.
What I don't like. Twice I was misinformed by customer service about policies and payment. Nearly overdrafted my account putting through a payment that I had been told was not due that month. Claims processing is ridiculously slow. On the web site they claim every effort is made to process claims within no more than 5-7 business days, the target being 48 hours. It takes many weeks! On the site it is implied that they will reimburse you for charges even if your bill is not paid in full. In fact you must pay 100% of the bill first then sit around waiting forever for them to process your claim.

My cat was hospitalized for two weeks, required surgery,meds and several trips to the emergency vet. I maxed out all credit cards and savings and took him home owing my vet $1400. I am lucky they know me well since we have been using them for over 4 years. They worked out a payment plan. What happens when I move? No vet is going to provide thousands of dollars worth of care to unknown clients and Pets Best won't pay them directly.

Other problems are no online account management or claims processing. No option to pay vet directly. Coverage is done quarterly not yearly and every quarter my premiums go up. I pay $262 per month for five cats ages 12,10 & 7. I am researching alternative companies and plan to try several before deciding who offers the best service. I can't see still being with this company a year from now. I feel like they are not ready.

Claim Amount
Age of Pet
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.