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 6.4 9.0
Count 47 289 6832

Pets Best Pet Insurance Reviews

1
Out of 10
Posted: 05/26/2021
By:
Robert
Verner

This was my first experience with pet insurance. Had a new puppy and decided to give it a try. Of the claims I submitted to date almost nothing was paid, maybe 5% at best. A total waste of money as they deny virtually everything and take a long time to...

Injury/illness
Claim Amount
Breed

Norwich Terrier

Age of Pet
Under a year
10
Out of 10
Posted: 05/26/2021
By:
Heather
Rindahl

Terrible insurance company. They label everything as pre-existing condition so they can avoid paying claims. The policy coverage explanation is unclear as well. Basically you are paying into insurance that you can never use.

Injury/illness
Claim Amount
Breed

Mixed Breed Giant (90 Lbs +)

Age of Pet
Under a year
10
Out of 10
Posted: 05/26/2021
By:
Jesus
Gatcia

This is an awful company. They never pick up the phone. I was on hold for over three hours and never got a hold of anyone. They never call you back. They take forever to email you back. I had a very simple and easy claim. And they made it so hard on me...

Injury/illness
Claim Amount
Breed

Persian

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.