Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,410

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.
5

out of 5

VETERINARIAN: UGA Veterinary Teaching Hospital

POSTED: | BY: Jason Razick

Claims

Pets Best does a great job keeping me updated on the process of my claim. If it's taking a little bit longer than normal, they e-mail me and inform me of the reason. However, most of the time my claims are processed within a week. Great job the folks at Pets Best are doing
2

out of 5

POSTED: | BY: Charlotte McClanahan

Be aware of “preexisting conditions “

I have two dogs that are covered by Pets Best insurance and have been covered at least for four years. ( they are 5 and 6 years old). I have submitted two claims for each - three of the claims have been denied due to conditions they claim existed before the insurance went into effect. The last denial is for an ear infection and medication to treat it. Neither one of my dogs have ever had an ear infection before. I expected a denial in order to meet my copayment obligation, but was surprised to see that reason. I expect that any claim I put in for that dog will be denied for that reason.
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5

out of 5

POSTED: | BY: Lester Bell

Never had an issue

Never had an issue, they keep me posted on delays
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1

out of 5

POSTED: | BY: Patricia Surkamp

Horrible, I don't recommend it to anyone.

I purchased this insurance in May 2025, paid for two full months, and when I finally needed it, it was absolutely useless. I spent $200 on routine veterinary exams that the policy clearly states are covered — but of course, they weren’t. Instead, I was asked to provide my pet’s entire medical history from over a year ago. I came from Brazil, where it’s not common for vets to keep such detailed records — we simply don’t have them. So, in the end, I paid PetBest (which is far from “best”) for two months of premiums and then had to pay another $200 out of pocket. Horrible, horrible service. I would never recommend this insurance to anyone. Insurance is supposed to help in times of need — not create more problems and bureaucracy. Now I’m trying to cancel a policy that never helped me and is still charging me through automatic debit — and guess what? There is NO option to cancel it on the website. Absolutely ridiculous.
1

out of 5

POSTED: | BY: Virginia White

Save your money

Pet's Best never reimburses me, though my claims are filed properly for covered conditions. I do not recommend Pet's Best insurance.
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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. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

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

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

Exclusions

Pre-existing conditions are not covered. Elective and preventive procedures are not covered.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best Pet Insurance detail
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.
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