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.
My pet has Cushing disease and as a result needs monthly refills of his medication which can become costly. Pet Best reimburses me for at least 80% of what I pay which is very helpful and very appreciative. They inform you right away of the status of your claim and then reimburses you in a timely fashion.
It had been a very long and stressful year dealing with my dog Lola fighting against cancer. Lot of doctor visits, medication and chemo sessions that would not be possible without the support of "PetsBest" insurance. It helps to alleviate the worry knowing that she can receive her treatment without worrying about high medical bills. We still have to pay for those expenses, but the "Claims" process is easy to follow; the company refunds are processed very quickly at 90% rate after deductible which for sure helps to keep the treatment going
Having pet best insurance was extremely easy to use and helped financially.
5
out of 5
POSTED:
| BY: Erin Byron
Grateful We Found Pet’s Best
I’ve had pets my entire life but never opted for pet insurance. I’ve had some hefty bills but figured the occasional large expense would be offset by the insurance annual premiums, deductibles, etc. And, truthfully, I was really skeptical about coverage and cynical that there would be a lot of hoops and hidden exclusions. However, after hearing a few traumatic stories over the last year, I decided that 2025 would be the year we’d finally get coverage for our dog, Hope. A good friend had recently gotten a puppy and did her homework thoroughly vetting insurance companies. Her decision, after a lot of analysis, was Pet’s Best so I took her lead and, on Jan 3, I opened our first ever policy. I paid annually for a slight savings and was pleasantly surprised that it didn’t cost as much as I had expected. ($450 / yr for 5 yr old healthy dog, $1k deductible, 90% reimbursement, no routine care). I certainly hoped I’d never need it and filed the paperwork away. For injury, there is a 3 day waiting period so on 1/6 I was notified Hope was now covered.
To our horror, on the evening of 1/8, I let Hope out in our fenced in yard (very safe, no dangerous areas, etc) while I bundled up for our evening walk. Within minutes, she returned to the door with an 8” x 5” area of her flesh ripped off her right shoulder and chest. It was a horrific injury and we still have no idea how it happened even after walking our property countless times. We have a new fence with nothing sharp so it wasn’t the fence. There were no punctures so not a bite. We are doubtful a bear was inside our fence as they are not too common in our area but it’s the only creature that could do this amount of damage with one swipe. It will likely always be a mystery. In any case, we rushed Hope to an emergency vet where she needed over 60 stitches. Unfortunately due to the location and size of the injury, blood flow to the wound was a challenge and the skin became necrotic. Over the last 20 days, Hope has had 4 surgical procedures. The final one was complex, involving intubation, anesthesia, the removal of large areas of dead skin, installing a drain and stitching her back up. The bills have totaled $6k so far. I submitted our claims to Pet’s Best via a very quick and simple process on the app. They handled the rest, requesting the medical records directly from our vet. Miraculously, I heard within a week that our claims had been processed and paid. I was shocked at how simple they made the process and how quickly they reimbursed us without a single exclusion. This has been an extraordinarily stressful time as a pet owner but I am so grateful that we found Pet’s Best. I have already shared our story with many pet owning friends who share my former cynicism about insurance coverage. While the injury has certainly been a horrific experience, I can’t say enough good things about our experience with Pet’s Best. I highly recommend them!
One of my pups recently had luxating patella surgery, and I am so glad that I had coverage from Pets Best, as orthopedic surgery is not cheap. I am in the veterinary field, so I have gone back and forth with myself about keeping coverage for my animals (I have 3 dogs and 2 cats, so it adds up quick) but this has definitely proven to me that it is totally worth every penny, because I was able to get my girl the best care possible, knowing I would get some of my money reimbursed to make it less stressful, financially.
Filing the claim, uploading medical records, and everything was so easy. I was shocked by how quick the whole process was, and how quickly I was able to get the reimbursement. It helps me feel much more at ease, knowing that Pets Best is here to help if my animals need any sort of specialty, or emergency care. Even if you only have accident/illness coverage, it helps with the more unexpected things that come up.
Overall I am very happy with my experience, and definitely recommend Pets Best to anyone who is looking to get pet insurance for their furry friends.
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.