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.
I've had PetsBest for all of my animals the past 20 years. They always pay what they say they will, and the turnaround time is super quick. It has always been such a great customer experience. I recommend them to all of my friends and family.
PetsBest was referred to me by my podiatrist. The premiums were reasonable, but like all other companies, each year costs go up. My dog had to have 2 6 session water therapies, which was phenomenal Each 6 session costs a little over $300.00 totaling $600.00. My coverage with PetsBest reimbursed me 80% after 20% deductible. So, after deducting 130.00 I was reimbursed $500.00. Can't beat that!
Our beloved golden retriever had a rough year. After presenting with some very scary symptoms that required a lot of testing, she was diagnosed with an autoimmune disease that required more involved treatments. Throughout this process, and within the guidelines of my plan, Pet's Best reimbursed us quickly and efficiently. The process of submitting the claim online, checking the claim status, and receiving the decision on the claim was as easy and clear as it could be. They always delivered on what they said they would. (if only human health insurance agencies would follow suit!). I am very grateful for Pet's Best!
I want to start off by saying I'm very grateful to have found PetsBest through my place of employment. Kato is my 6yr old Siberian Husky (as of 03/01/2025), and he's my world. I'd never imagine walking into a Vetinarian's office and feeling like I can properly have his health assessed without taking a massive hit to my savings. Everyone at the vet absolutely loves my handsome boy! My only regret, is that I didn't find PetsBest sooner. Kato had an unrelated 'brother' that had to be put to sleep a couple years ago. At 2 years old, Kai, my other Siberian Husky, experienced his first seizure one morning in our bed. I have never seen a seizure before, and I was in complete panic trying to understand why my baby boy was crying and violently shaking on my lap now as I'm yelling his name and holding him, unsure if there was anything I could do to help. All I could afford for care, was medicine that would alleviate the seizure symptoms, but also would inevitably shut down his organs. At 6 years young, I had to have Kai put to sleep because his liver was failing, and his seizures had now gotten to a point where I would have to watch him experience 5+ seizures back-to-back immediately after coming out of his previous convulsions. We stayed up all night watching: A Dog's Purpose, A Dog's Way Home, and A Dog's Journey before his final day. To this day I beat myself up mentally and emotionally, because there just had to be more I could have done for him. This thinking has lead to an irrational fear that I may not be able to protect Kato, but that fear has dissipated after submitting my first few claims with Kato's coverage. It was such a quick and painless process to understand Kato's benefits, and submit my claims. Everyone at PetsBest did the rest. My girlfriend and I plan on getting another puppy now, and I can guarantee the first thing I will do for that baby boy or girl, is promise to keep them safe, and provide coverage from PetsBest for them too. So thank you again, for all that you do, and I can't wait to one day take advantage of the coverage for Kato to receive chiropractor and acupuncture treatment! :D
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.
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.