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 5.7 6.1 9.0
Count 39 276 6924
Out of 10

Really Happy So Far

Posted: 08/03/2007

My husband and I have been with Pets Best for about a year and have nothing but good to say about them. We feel comfortable and confident in our purchase and have recommended them to friends and family. Understanding that it works on a reimbursement process -- much like a flex plan -- has been helpful and also learning that it's not doggy dental insurance. Even with that, I would recommend Pets Best without hesitation.

Claim Amount
Age of Pet
Out of 10

134 is all

Posted: 07/20/2007

I have not had to use my insurance yetbut i would like to take my chihuahua in to
get fixed and it is going to be about 445.00
and p/b will only pay 134.00 of it because
thats all they will pay quarterly..
why do i have insurance for and i pay them 54.00
a month and have had it for about 6 months.....

Claim Amount
Age of Pet
Out of 10

new but better

Posted: 07/13/2007

I know PetsBest is new as a company, while their founder has many years of experience as the founder of VPI, I still did have minor issues with the claims processing. Over a technically they denied a claim but after an appeals process that only took 3 days my claim was approved and I had my money in less than a week. I like the improved coverage and the ability of the reps to take the time to educate themselves in order to help me.

Claim Amount
Age of Pet
Out of 10

PetsBest is no good

Posted: 05/11/2007

I have the same problem as everyone else..simples claims take a long time to process..over a month...customer service always tells me something different but they are friendly although not well educated in their field...
VPI was horrible to begin with so if this is the same owner the obviously it's not going to be that good either.

It's cheaper to have the $20 a month and then pull it out when need. Thanks anyways.

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.