Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 12,990

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

POSTED: | BY: MJ Rosenthal

Pet's best is professional

Pet's best is professional, prompt and provides excellent communication. I put my dog on the insurance even before I picked her up - and it has been a lifesaver.
1

out of 5

POSTED: | BY: Damon Bell

I pay more just having the insurance than I…

I pay more just having the insurance than I do with any type of reimbursements. Recently had a $700+ vet bill for Wellness and Vaccines, I pay for a plan that helps cover these costs. I got $50 back. Shop around, I wouldn’t recommend. On top of that ridiculous refund the process took even longer than usual only to get that measly amount back.
5

out of 5

VETERINARIAN: Village Veterinary Clinic

POSTED: | BY: Ashleigh Reed

Thankful for Pets Best

I am so thankful I chose PetsBest for my dog. He has been having belly issues lately and it gave me such a peace of mind knowing I had Pets Best and could make the best decision for my dog without having to worry about money. Couldn’t recommend using Pets Best more!
4

out of 5

VETERINARIAN: Phillips Animal Hospital

POSTED: | BY: Rev Dr John Benjamin David Tatum DD PhD

Best pet insurance I have found yet...

Fast claims payment. Easy claims process on my end. Only issue I have is prophylactic medicine to prevent heartworm and another to pay for flea and ticks (HeartGard Plus and NexGard). They only pay for 25% of the annual cost for a 12 month supply. Also, past puppy stage they only get a Rabies Vaccination every 3 years, but they only reimburse a one year dosage. But they pretty much cover everything for a wellness exam and vaccinations. So far I have not needed the catastropic coverage. It is pricey for a healthy 4 year old Siberian Husky, but the secure knowledge that she is 90% covered with no cap on benefits is a great relief (I have had a service dog and a pet dog both die of cancer and those bills were YUGE to try to save both of them). Nearly $100 a month is a big jump since I first signed up which was closer to $80. But cheaper if any injury or illness occurs.
5

out of 5

VETERINARIAN: Marsh Tide Veterinary Hospital

POSTED: | BY: Nick Oblak

Why I Recommend Pets Best to Every Pet Owner I Know

I can't thank Pets Best enough for the incredible support and services they provided to my wife and me during one of the most difficult times of our lives. Back in January 2025, we noticed a lump on the nose of our 14-month-old Australian Shepherd. After two weeks of uncertainty and no clear answers, the lump continued to grow, and the word "cancer" started to enter the conversation. It was terrifying. Right away, I contacted Pets Best, and the support specialist I spoke with was incredibly kind and reassuring. They let me know that Pets Best would be with us every step of the way. That gave us the peace of mind to focus on getting our dog the care she needed and explore every option our doctors presented. Over the course of three intense weeks filled with appointments and procedures, Pets Best kept their promise. As vet bills stacked up, they handled our claims efficiently, making a painful and stressful situation much easier to bear. Whenever I share this story, the first question I get is: "Do you have pet insurance?" Without hesitation, I proudly say, "Yes—we have Pets Best." Their policies are excellent, the claims process is simple and transparent, and their support team is top-notch. I've never been put on hold, and every question I've had has been answered quickly and compassionately. Since then, I've become a strong advocate for pet insurance and always recommend Pets Best to friends, family, and fellow pet owners. We now have the same policy for our new 14-week-old puppy—who, unfortunately, has already had a UTI and a broken leg—and once again, Pets Best has been incredible. They continue to make veterinary care easy, accessible, and affordable.

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.
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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