Pets Best | Pet Insurance Review

4.3

out of 5

Number of reviews 13,042

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: Rene' L

First time ever buying pet insurance

First time ever buying pet insurance. The process was quick and easy. I brought my pet to the vet 3 days after buying the insurance and Pets Best Health Insurance did exactly what they said they would by covering the treatment and care as stated in the upfront insurance coverages agreement and the reimbursement was received within a week of submitting the claim. For someone who is usually a skeptic, when it came to trusting an insurance company, I was pleasantly surprised. Without the pet insurance, I am not sure I would be able to afford the vet bill out of pocket with no assistance. Pets Best took care of 90% of the vet bill which was a huge financial relief. I would absolutely recommend Pets Best Pet Health Insurance to others.
5

out of 5

VETERINARIAN: Mahopac Animal Hospital

POSTED: | BY: Cyndi Sciacca

Pets Best is Great

"I got Pets Best several months ago. One of my dogs recently suffered a bout of gastroenteritis and I spent several thousands of dollars at 2 vets to try and figure out what was wrong. Both vet offices sent the paperwork directly to Pets Best and I didn't need to do anything. My reimbursement came within 3 weeks. I could not be happier and I'm so glad that I chose this company!!"
5

out of 5

VETERINARIAN: Blue Pearl Emergency Veterinary Hospital

POSTED: | BY: Stephanie Wisniewski

LOVE

"I LOVE Pets Best, seriously I refer everyone I know to them. I have had several very large claims over the last few years (double ACL replacement on one dog, major liver surgery on another, & all 3 dogs being hospitalized for ingesting raisins), things that if I didn't have pet insurance I am not sure I would have been able to pay for and I am so so thankful that because of having Pets Best, I was able to say do whatever you have to, to save my babies. I have heard horror stories of other pet insurances denying claims or capping certain things at whatever amount. I haven't had that experience with Pets Best. I submit my claim, and within basically 2-3 weeks it is reviewed, paid and closed and the explanation of benefits is SO easy to understand. In addition to that special shoutout to CareCredit, because without them I don't know how I would've done it either. Pets Best lets you choose CareCredit for your reimbursement so they sent my claim paid amount right straight to my CareCredit card that I used so there is no hassle with it. Thank you thank you thank you!!"
5

out of 5

VETERINARIAN: Clark Road Animal Clinic

POSTED: | BY: Bob Kester

Help In a Bad Luck Situation

"I'd only had my nearly 8-year-old rescue, Maya, for a couple of months when she began showing scary symptoms of an internal problem. After many expensive vet visits, cancer was discovered in multiple organs. Losing a great dog so quickly was awful! Getting substantial financial help from Pets Best made a horrible experience a bit easier to take. I found them to be a very good company to deal with."
5

out of 5

VETERINARIAN: Clackamas Pet Clinic

POSTED: | BY: Jeannie Scovel

Coverage

We adopted our fur baby in July 2024 and signed up for Pets Best immediately. It has been a game changer for us. Puppy had to have surgery at 8 months for a piece of cartilage stuck in his shoulder joint. Our coverage paid all but 10% for surgery, pre-op and post-op exams, and all of the medication he has needed for months. He is almost back to full use of his leg. We recommend Pets Best to all of our friends with pets and to those thinking of adopting.

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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