Pets Best Logo

Cost (cats):


Min. $6 per month

Cost (dogs):


Min. $9 per month



Unrestricted vet selection

Mobile app:


Android & iOS

Editorial Rating

Pets Best Logo

Editorial Rating

Pets Best Review

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Cost (cats):


Min. $6 per month

Cost (dogs):


Min. $9 per month



Unrestricted vet selection

Mobile app:


Android & iOS

Waiting periods:


3 days for accidents; 14 days for illness

Customer service:


Email, Phone, Fax, Online Portal

Pets Best Logo

Editorial Rating

We all want what is best for our pets. Making sure they are happy and healthy is a parent’s top priority. Vet bills, however, are not something pet owners look forward to. To avoid a significant dent in your budget, you can tap into an animal insurance service.

We’ve explored some of the best pet health insurance companies and what users have to say about them. Focused on affordable prices and easy claim processing, the Pets Best Insurance reviews have caught our attention. We’ve done our own research to present you with an objective summary of all the company’s pros and cons.

What Is Pets Best Insurance Best For?

Affordability seems to be the central pillar of Pets Best. Dr. Jack Stephens, who is highly regarded as the ‘father’ of pet insurance in the US, and Greg McDonald launched the company in 2005 with a mission to end pet euthanasia due to economic reasons. This is why they make sure that everyone can get affordable pet insurance.

The Pets Best insurance service is extremely flexible with its prices and lets you choose the level of coverage of the plan you want. You can even make a custom health plan for your pet, one that will work well with your monthly budget. Also, filing a claim is easy and will never increase your premium.

Is Pets Best Insurance Legit?

Since it was founded, Pets Best has paid out over $200 million in claims. The carriers for Pets Best health insurance are American Pet Insurance Company or Independence American Insurance Company.

Pets Best Insurance Coverage

The Pets Best Insurance Coverage is extensive, and it depends on the selected plan. All packages include:

  • Accidents
  • Illnesses
  • Cancer treatment
  • Emergency care, hospitalization, and surgeries
  • Prescription medications
  • Dental procedures
  • Behavioral conditions
  • Euthanasia for humane reasons
  • Ongoing and chronic conditions
  • Diagnostic
  • Prosthetic devices

While there is no upper limit on your pet’s age, the company recommends enrolling them as soon as they are seven weeks old to make sure all congenital and hereditary conditions are also covered. The reason for this is that, like many peers, Pets Best does not cover pre-existing conditions.

Pets Best Accident Only coverage

The Pets Best annual limit is $10,000 for accident claims. This comes with a $250 deductible and 90% reimbursement.

Accidents included in the coverage are:

  • broken bones
  • accidental ingestion
  • car hit,
  • snake bite, etc.

This is a good plan for pets that, for some reason, are not eligible for illness coverage. Or you simply want an accident-only option. It costs $6 per month for cats and $9 per month for dogs.

Pets Best Illness coverage

Some of the illnesses included in the Pets Best pet health insurance plan are:

  • cancer,
  • diabetes,
  • arthritis,
  • allergies,
  • cruciate ligament injuries,
  • skin and ear infections,
  • urinary tract infections, etc

Congenital and Hereditary Conditions include:

  • hip and elbow dysplasia,
  • luxating patella,
  • cherry eye,
  • IVDD,
  • Wobbler Syndrome,
  • glaucoma
  • epilepsy.

Pets Best Routine Care Coverage

At Pets Best there are two routine coverage plans. The Essential Wellness plan and the Pets Best Wellness plan.

The Essential Wellness plan is the cheaper option starting at $16 a month and covers up to $305 per year. The Best Wellness plan starts at $26 and covers a maximum amount of $535 per year.

Unfortunately, you can’t take these plans on their own. They are an add-on to an existing illness/accidents plan.

How Much Does Pets Best Cost?

Pets Best prides itself on its flexible insurance plans. Prices vary due to several reasons. Things like: breed, age, gender, and zip code will affect your premium. The Pet Best quote can differ because of other factors as well, such as:

  • annual limit
  • deductible value
  • reimbursement percentage

You can choose a variety of deductibles. The lowest option deductible is $50 going all the way up to $1000.

After choosing your deductible, you can go for an option with or without an annual limit. If you select the option with an annual limit, that would be $5,000, and will decrease your pet insurance cost by $5. This might not be worth it, however, as a single veterinary treatment can rank up quite a bill.

You can also choose the reimbursement percentage of your total bill. The available options are: 70%, 80% and 90%.

There is also a 5% discount if you have multiple pets.

To get an idea of how much your pet insurance plan can cost, you can always use the Pets Best insurance quote calculator.

Example 1: Pet insurance for dogs

Breed: Siberian Husky (female)
Date of Birth: December 2019
Zip Code: 98109 (Seattle)
Reimbursement: 80%
Annual Deductible: $250
Maximum Payouts: Unlimited
Minimum Monthly price: $43.56

Example 2: Pet insurance for cats

Breed: British Shorthair (female)
Date of Birth: December 2019
Zip Code: 98109 (Seattle)
Reimbursement: 80%
Annual Deductible: $250
Maximum Payouts: Unlimited
Minimum Monthly price: $22.88

Pets Best Customer Service

You can reach Pets Best customer service by phone, email, or fax. The phone line’s operating hours are 6 a.m to 7 p.m., Monday – Friday, and 6 a.m. to 2 p.m. on Saturdays.

When you read Pets Best insurance reviews, most of the negatives are regarding the customer service and are hard to miss. The usual complaint is that you can be left waiting on the phone for 45 min or an hour.  But other than the waiting period, the assistance personnel is most often described as polite, calm, and communicative.

Pets Best User Reviews

Customer reviews on Pets Best insurance are very positive. On, out of almost 7,000 reviews, it has an average score of 4.4. On Consumer Advocate the score is 3.9 and on Trustpilot is 4.0.

Pets Best is also a BBB-accredited business with an A+ rating.

The Positives

After browsing numerous Pets Best reviews, we can sum up that most users praise the company for being active and quick to handle claims, with more than one customer wishing it would cover humans as well.

The processing time, on average, stays true to the promised when you take up the policy — three days for accidents and 14 days for illnesses.

The insurance claim process is trouble-free. You just need to fill out the Pets Best insurance claim form and send it. There are several options through which you can contact the company — phone, fax, email, and mobile app.

Pets Best promises that it won’t increase your premium after your paw friend gets older. Unlike most companies, there is no upper age limit on your pet, which would make it ineligible for insurance.

You can select any vet you wish, and the insurance works even out of state.

The Negatives

When it comes to the negatives pointed out in many Pets Best reviews, customer service always comes first on the list. Particularly for how hard it is to reach the information center.

Another sour spot seems to be the denial of claims. The company clearly states that it does not cover pre-existing conditions. Conditions are considered pre-existing even if they existed but were not diagnosed before you started your pet insurance plan.

Is Pets Best the Best Pet Insurance?

Pets Best does score pretty high according to customer satisfaction scores. The most common things you can find in Pets Best insurance reviews are the simple claim process, low prices, and the fact that there is no upper age limit.

So, it’s safe to say Pets Best qualifies for the leading positions in the field. But let’s see how the company fares against the competition.

Healthy Paws vs Pets Best

Healthy Paws was voted the best pet insurance company for 2020. It also has a higher rating than Pets Best. This is primarily because it accepts all claims, no questions asked, hassle-free.

But the Pets Best insurance claim process takes a shorter time. And if you have multiple pets, there is a 5% discount.

Pets Best vs Trupanion

Trupanion works differently than Pets Best. It has a per condition lifetime deductible, unlike most companies that have an annual deductible. Trupanion also doesn’t offer a multiple pet discount and has a $35 enrollment fee.

The Pet Best waiting period to claim an illness is half as short as Trupanion’s — 14 days vs 30 days. But there are some resemblances between the two. They have similar coverage plans and offer additional packages for an extra cost. The companies don’t have an upper age limit, and they both have a Vet Direct Pay offer.

Wrap Up

Pets Best is a reputable insurance company that works in a clean, hassle-free manner, and you don’t need to wait too long to get reimbursed. The pricing structure may be a bit complex and confusing, but the plans are among the most affordable on the market.

Pets Best will fit people with young pets which they can ensure early, so no condition is considered pre-existing. Alternatively, it also fits those with older pets that can’t be insured elsewhere even though they will be subject to some of the Pets Best exclusions.


  • No annual limits
  • No age upper limit for pets
  • No enrollment fee
  • Out-of-state coverage
  • Flexible pricing


  • Routine pet-care is at an additional cost
  • End-of-life expenses not covered
  • Hard to reach customer service
Pets Best Logo

Editorial Rating


Is Pets Best Good Pet Insurance?

Yes. Pets Best is one of the best pet health insurance companies. They offer cheap pet insurance for those on a budget and pricier options for those who can afford it. Pets Best processes insurance claims faster than most other companies and makes the procedure simple and hassle-free.

Does Pets Best Pay the Vet Directly?

Yes. Pets Best does offer a Vet Pay Direct option. All you need to do is send a copy of your veterinarian reimbursement release and a filled-in insurance claim. Pet best will send the reimbursement directly to your vet.

Can You Cancel Pets Best Insurance?

You can cancel your policy anytime. To do this, you need to fill out an online form, and your policy will be canceled the day Pets Best receives it. You can also do it via phone or email.

How Much Does Pets Best Insurance Cost?

For cats, the average price would be $22-$46 and for dogs $35-$58. The company’s main policy is flexible pricing, so you can find the exact price that matches your budget.

How Long do Pets Best Claims Take?

Accidents are promised to take three days, while illnesses take 14 days to process. According to Pets Best insurance reviews, the company is true to its word. Of course, sometimes the process can get stuck and take longer, but most of the time, this is not the case.