• DEDUCTIBLES: $50 - Unlimited
  • AGE LIMIT: No Age Limit
  • VET EXAM: Not Required

Pets Best Reviews – 2022’s Breakdown

  • DEDUCTIBLES: $50 - Unlimited
  • AGE LIMIT: No Age Limit
  • VET EXAM: Not Required

Best For

Coverage Choices


  • 30-day money-back guarantee
  • A 5% discount on multi-pet policyholders
  • Guaranteed payout of approved claims within 5 days
  • Multiple locations covered: Canada, Puerto Rico, US


  • Waiting periods up to 6 months for CCL injuries
  • Waiting period for illnesses - 14 days
  • Exclusion of aromatherapy and preventative care

Pets Best Pet Insurance is one of the most popular insurance companies for pets in the US. The company was created in 2005 by Dr. Jack Stephens, a practicing veterinarian, and the original founder of pet insurance in North America in 1979. Its aim is to make pet insurance more affordable for pet owners.

As a member of the North American Pet Health Insurance Association, consecutive winner of best places to work for in Idaho, and holder of an A+ Better Business Bureau rating, the company meets its customers’ expectations, as online PetsBest reviews testify.

PetsBest insurance plans are some of the least expensive cat and dog medical coverages in the United States. The question ‘Is PetsBest pet insurance worth the money?’, is definitely worth looking into. We did a little of our own digging into PetsBest Insurance reviews and recommendations, and we’ll share what we found in this PetsBest health insurance review.

Here’s what we’ll focus on:

  • Key insurance details
  • Insurance coverage
  • Limitations and exclusions
  • Claims and repayments
  • Pricing and plans
  • Customer service
  • Pros and cons
  • Added benefits

Key PetsBest Insurance Details

Because PetsBest was created by a licensed practicing vet, Dr. Jack Stephens, the company truly understands the bond between owner and pet. To include all kinds of situations, the medical insurance company provides a series of coverage options with different price ranges.

Policyholders aren’t forced into choosing only one fixed plan, rather they have the freedom to choose a coverage that fits their pet’s needs best: hence the name ‘PetsBest’.

Pets Best Insurance Coverage

The company offers an array of plans and add-ons. Here is a list of the available PetsBest health insurance plans for dogs and cats.

BestBenefit Accident and Illness Plans

This is the company’s comprehensive plan that covers medical bills for unexpected accidents, emergencies, or medical diagnosis. There are multi-levels attached to this plan where you can decide whether you want coverage for any or all of the below:

  • Cancer treatments
  • Coverage for older pets
  • Illnesses
  • Accidents
  • Congenital and hereditary conditions
  • Prescription medicines
  • Emergency care, surgery, and hospitalization
  • Chronic medical conditions
  • Dental coverage
  • Prosthetic and mobility devices
  • Euthanasia
  • Travel coverage (Puerto Rico, Canada, and the U.S.)
  • Hydrotherapy

Most Pets Best pet insurance plans offer the following automatic inclusions:

  • Exam fees
  • Acupuncture treatments
  • Chiropractic treatments
  • Physical rehabilitation
  • Prescription medications

These can also be taken off of the plan if it best suits your pet’s needs and your budget.

Accident Only Coverage

This is the best pet insurance plan for those on a budget. For as little as $6-$9 per month, you can cover your cat or dog for:

  • Broken limbs and bones
  • Accidental swallowing of harmful objects
  • Snake bites
  • Poisoning
  • Wounds
  • Medical problems due to accidental injury

This plan doesn’t include any medical costs not associated with an injury or an accident.

Routine Care Coverage

As an extra add-on, policyholders can choose between two different wellness plans: Essential Wellness and Best Wellness. Both plans include a maximum amount of coverage for the following:

  • Rabies
  • Microchip
  • Deworming
  • Teeth cleaning
  • Neuter and Spay
  • Flea/Tick prevention
  • Urinal analysis or ERD
  • Wellness exams
  • Fecal, blood, or parasite exam
  • Vaccinations

Essential Wellness is the more affordable plan at $16 a month, whilst the Best Wellness plan costs $26 a month.

With all the different options and add-ons in the pet insurance plans & coverages, it’s best to consult with a PetsBest consultant. The website allows potential clients to download sample policies for further information or contact their customer care at 1-877-738-7237 to ask for a recommendation plan.

Exclusions & Limitations

How does Pets Best pet insurance work? Like many other pet insurance providers, there are a few things that Pets Best doesn’t include in the plans. Luckily, there are no age limits for covering a pet, and even an old dog can get coverage. The minimum age to start a coverage plan for a pet is when it is 7 weeks old. In order to keep the Pets Best Pet Insurance cost affordable, some exclusions include:

  • Non-veterinary expenses like vitamin and mineral supplements, special dietary foods, food, grooming, and training
  • Herbal, experimental therapies, holistic treatment, and holistic medicines
  • Pre-existing conditions
  • Preventative and elective procedures

A pre-existing condition is any illness or injury that began before the policy was activated, including during the waiting period. Conditions like broken legs or kennel cough are curable and as long as further treatment isn’t required, it will not be seen as a pre-existing condition.

In cases when hip dysplasia isn’t a pre-existing condition, it can be covered after a 14-day waiting period.

Pets Best Insurance Claims & Repayment

All claims can be submitted online on the Pets Best website. It’s as easy as setting up an account and filling in the necessary information. Through your account you can:

  • Check your claim’s status
  • Update and sign up for direct repayment deposit
  • Submit or update your claim
  • View your pet insurance plan’s details
  • Add new pets to your policy

Furthermore, you can either email, phone, or live chat with any of the customer support agents that are available 24/7.

PetsBest reviews from policyholders are extremely positive when it comes to reporting back on repayments and claims. One owner testified that their dog’s treatment costs were $2,824, and after putting in a claim, the owner received a reimbursement of $2,606.

Pricing, Deductibles, & Discounts

One of the reasons why PetsBest is on the list of the top pet insurance companies is because they are completely transparent about how premiums are calculated. The factors that the premiums depend on are your pet’s age, breed, and location as well as your desired annual deductible, reimbursement level, and your annual plan’s limit. Your pet’s current health condition might also play a role.

On average, Pets Best dog insurance coverage costs $9 per month for an accident-only plan and between $35-$58 per month for comprehensive illness and accident plans. For cats, it’s $6 per month for an accident-only plan and between $22-$46 per month for illness and accident plans.

Deductibles: Annual deductibles vary and can be either $50, $100, $200, $250, $500, or $1,000. An annual coverage limit is either unlimited or $5,000.

Reimbursement level: You can choose between 70%, 80%, or 90% reimbursement levels.

Discounts: The company offers a 5% discount for policyholders with more than one pet. There’s also a 5% discount for members of the military and their families.

Example: A 4-year-old female Yorkshire terrier, with a deductible of $100, an unlimited annual maximum, and an 80% reimbursement level will have a monthly premium of $60. Taking into consideration that the total medical costs of an uninsured pet dog to receive cancer treatment is $7, 671, the annual price is extremely fair.

Pros Cons
No age limit for cats and dogs Dog insurance plan doesn’t include pre-existing conditions
30-day money-back guarantee Waiting periods can take up to 6 months for CCL injuries
Customizable and affordable plans Special medical services such as aromatherapy and preventative care are excluded
A 5% discount on multi-pet policyholders Payouts might take longer than 5 days
Guaranteed payout of approved claims within 5 days
A series of customer support platforms and informative articles
24/7 customer service

Pets Best Reputation

Overall, PetsBest reviews are positive. They have an A+ BBB accreditation, a 4.1/5 star review from Trustpilot.com, and a 4.8/5 star review from 365PetInsurance.com. Most of these reviews are based on thousands of online ratings. All online PetsBest Insurance negative reviews have been answered and the complaints have been resolved by their customer service.

Being in the pet insurance business for the last 15 years and having a team of experts and an experienced founder, the company maintains a high standard of trustworthiness.

Why Pets Best Pet Insurance?

PetsBest Pet Insurance definitely is one of the top pet insurance companies out there. With a range of plans that suits your pet and your budget, it definitely proves to be an affordable quality service. PetsBest reviews from countless websites, forums, and policyholder pet insurance reviews all testify that this company is definitely doing something right.