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Pets Best Pet Insurance

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Pets Best is one of America's most trusted and highly rated pet insurance companies. Founded by Dr. Jack Stephens, Pets Best offers plans to meet any budget. Pets Best has more experience than most American pet insurance companies and over time they have developed quality coverage options to meet any budget. Pets Best offers comprehensive plans, cancer plans, accident only plans and wellness coverage.

Average Price
$18 - 33/mo.
Customer Satisfaction 86%
A.M. Best Rating NR
BBB Rating A+
Total Reviews 2,994 reviews
Deductible $50 - 1,000
Reimbursement 70, 80 or 90%
Annual Limit $5k, $10k or Unlimited
Waiting Period for Accidents 3 days
Waiting Period for Illnesses 14 days
Waiting Period for Orthopedic Coverage 14 days *
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
Vet Restrictions None



 Pets Best is a great option for pet owners who want variety and customization. Pets Best is also the official pet insurance partner for Farmers Pet Insurance, Progressive Pet Insurance and BB&T Pet Insurance.

Four Plans to Choose From

  1. BestBenefit Accident and Illness - BestBenefit plan levels 1, 2 and 3 offer the most comprehensive coverage.
  2. Accident Only - The Accident Only plan covers the treatment of accidents including exams, X-rays, surgeries, hospitalization and medications.
  3. EssentialWellness - Economic routine care coverage can be added for an additional premium and helps pay for routine care with no deductible to meet.
  4. BestWellness - Routine care coverage can be added for an additional premium and helps pay for routine care with no deductible to meet.


Best Benefit Accident and Illness Coverage

Pets Best offers excellent accident and illness coverage for dogs and cat. Here is a quick overview of policy details to give you an idea of what to expect when building your custom Pets Best policy.

Deductible Type Annual
Annual Limits $5k, $10k or Unlimited
Lifetime Limits No limit
Deductible Options $50 to $1,000
Reimbursement Options 70%, 80%, 90%
Minimum Age for Coverage 7 weeks-old
Maximum Age for Coverage None
Waiting Period Injuries 3 days
Waiting Period Illnesses 14 days
Orthopedic Waiting Period 6 months
Policy Exclusions Listed Below

Orthopedic Conditions: 6 months waiting period for cruciate ligaments, all other orthopedic issues have a 14 day waiting period.

Chronic Conditions are considered bilateral conditions.

Wellness Coverage

Pets Best offers one comprehensive wellness plan for both dogs and cats. Wellness plans can be added to most plans for help paying for routine care like spay/neuter, vaccinations, bloodwork, and heartworm preventive.

Wellness can be used for wellness and routine care expenses at any licensed veterinarian and can be added to any Pets Best insurance policy. There is a 14 day waiting period and no deductible. It's important to note that there are specific annual limits by treatment type.

Treatment EssentialWellness BestWellness
Spay / Neuter $0 $150
Teeth Cleaning $0 $150
Rabies Vaccination $15 $15
Flea & Tick $50 $65
Heartworm $30 $40
Titer Vaccination $30 $40
Wellness Exam $50 $50
Heartworm Test $25 $30
Fecal Exam $50 $70
Microchip $20 $40
Urinalysis $15 $25
Deworming $20 $20
Total Annual Limit
$305 $535

Learn More: Compare Pet Wellness Plans


Accident Only Plan

The Accident Only plan covers the treatment of accidents including exams, X-rays, surgeries, hospitalization and medications. The Accident Only plan stays largely the same, but the only deductible / reimbursement option is $250 / 90%. It will be a flat rate of $9 for dogs and $6 for cats regardless of age and breed.



Pets Best has two, lower priced plans that we do not recommend (Essential and Plus Options) because they only offer $5,000 in annual limits. We recommend you purchase the Elite Option, which provides $10,000 per year in annual coverage. The following ratings are based on the Elite Option. Pets Best charges a $2.00 monthly fee. Fee waived if you pay annually. Additional fees not charged in MD.

Accident and Illness Costs

Here is a sample of dog insurance costs of Pets Best's Elite Option, which is our recommended plan.

Dog Breeds Cost *
Mixed Breed Dog $58/mo.
Labrador Retriever $66/mo.
Yorkshire Terrier $64/mo.
Golden Retriever $74/mo.
Dachshund $83/mo.
Chihuahua $79/mo.
German Shepherd $66/mo.
Shih Tzu $91/mo.
Boxer $87/mo.
English Bulldog $87/mo.
Average for All Dogs $66/mo.

Accident & illness coverage for a 3 year-old, mixed breed dog

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

Cat Breeds Cost *
Mixed Breed Cat $45/mo.
Domestic Shorthair $50/mo.
American Shorthair $50/mo.
Siamese $54/mo.
Maine Coon $58/mo.
Persian $60/mo.
Ragdoll $48/mo.
Bengal $52/mo.
Russian Blue $60/mo.
Himalayan $58/mo.
Average for All Cats $45/mo.

Accident & illness coverage for a 3 year-old, mixed breed cat

Wellness Care Costs

Here are the costs to add wellness care coverage to your accident and illness plan.

Wellness Plan Cost
EssentialWellness $16/mo.
BestWellness $26/mo.


Accident Only Cost

Here is a sample of dog insurance costs of Pets Best's Elite Option, which is our recommended plan.

Type of Pet Cost *
All Dog Breeds $9/mo.
All Cat Breeds $6/mo.

Accident only coverage with 90% reimbursement and $250 deductible

See Prices for Your Pet

Learn More: Pet Insurance Cost



Pets Best is one of the most trusted companies, which is illustrated by the fact that nearly 9 out of 10 customers are satisfied.

Source Avg. Total Points
Google 78% 62 484
Facebook - - -
BBB 76% 9 68
Yelp 40% 126 504
Trustpilot 94% 310 2,914
Shopper Approved - - -
Pet Insurance Review 88% 2,451 21,569
Consumers Advocate 78% 36 281
Consumers Affairs - - -
Provider Reviews - - -
Total 86% 2,994 25,820

Customer satisfaction percentages are based on reviews (as of Updated November 6, 2017) collected from 10 sources. Review scores are updated on a routine basis to ensure that data and information are up-to-date. All sources of pet insurance reviews use different scoring methods so we convert them all to a simple 100% scale. This ensures that our customer satisfaction ratings are apples-to-apples. For example, Google uses a five-star review system, so we just multiple each review by 20 to get a 100% scale.

Related Content: Pet Insurance Reviews

Pets Best Insurance Review

"Baron was about one year old when I adopted him almost 7 years ago. He was malnourished likely abused and neglected as a puppy. It took Baron a little over a year to learn to play, learn not to be afraid of everyone, and not to react to his fear in an aggressive way..." Read Baron's Full Story

Pet Insurance Reviews

Pictured: Baron and Veronique - Boise, Idaho



PetsBest was founded over 10 years ago in Boise, Idaho by Dr. Jack Stephens, DVM. Dr. Stephens is noted as the father of American Pet Insurance when he founded VPI in 1982. After leaving VPI Dr. Stephens used his 20+ years of experience to create an even better pet insurance company, which is the foundation that Pets Best has grown from.

Dr. Jack Stephens with Lassie

Pictured: Dr. Jack Stephens

Year Founded 2005

American Pet Insurance Company (No Rating)

Headquarters Boise, ID
Leadership Dr. Jack Stephens, Chris Middleton, Greg McDonald
Claims Reimbursement 5-10 days, 2 days for direct deposit
Vet Policy Any licensed veterinarian in the US, Puerto Rico or Canada
Phone 1-877-738-7237
Service Hours Mon - Fri:  6:00 am - 5:00 pm EST, Sat: 8:00 am - 12:00 pm EST
Trial Offer 14 days


Policy Exclusions

  • Pre-Existing Conditions - An illness or the recurrence of any illness or condition which first occurred or displayed any signs and/or symptoms consistent with the stated illness or condition prior to the policy effective date; or an injury or recurrence of an injury that occurred prior to the policy effective date; or any condition or complication resulting from an illness or injury that occurred prior to the policy effective date. A condition may be considered Pre-existing: whether or not it was specifically diagnosed by a veterinarian, whether or not it was treated by a veterinarian, is in remission at the time of application, is seasonal in nature even if in remission at the time of application, is currently or previously being controlled by medication(s), or is a latent infectious or parasitic condition that manifests itself within a known incubation period following the policy effective date rendering clear evidence that the condition had to be contracted prior to the policy effective date... In other words any health problems before you enroll will not be covered.
  • Routine Care - Vaccinations and routine annual exams, blood work, spay, neuter, and routine diagnostics, except as provided by the Wellness Benefit if purchased.
  • Preventative and Elective Procedures - Including, but not limited to: tail docking; ear crops; nail trims; declaws; dewclaw removal; elective gastropexy; and anal gland expression and removal. Claims for Pets that are found to be healthy and presenting with no clinical symptoms are also excluded.
  • Breeding and reproduction expenses
  • Herbal, Holistic or Experimental Therapies - Alternative therapies and medications, chiropractic care, acupuncture, cold laser therapy, physical therapy and hydrotherapy are not considered alternative therapies and are covered.
  • Some Prescription Drugs if not included in our list of covered medications


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