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Pets Best Pet Insurance

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Overall Rating ★★★★★
Customer Satisfaction 90%
Total Reviews 3,076
Major Medical Coverage Yes
Wellness Coverage Optional
Price Range $8-36+/mo.
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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 Overview

Pets Best is also the official pet insurance partner for Farmers Pet Insurance, Progressive Pet Insurance and BB&T Pet Insurance.

Overall Rating: ★★★

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. Pets Best is a great option for pet owners who want variety and customization.

Learn More: Pet Insurance Scores

Category #1 - Coverage

Category Rating: ★★★★

If you're looking for excellent accident, illness with optional wellness coverage then Pets Best is a great choice. Here is a detailed breakdown of how we evaluate Pets Best coverage.

Emergency Care ★★★★★
Accidents ★★★★★
Illnesses ★★★★
Surgery ★★★★★
Diagnostics ★★★★★
Hereditary Disorders ★★★★★
Congenital Conditions ★★★★★
Cancer ★★★★★
Orthopedic Coverage ★★★★★
Payout Limits ★★★★★
Exclusions ★★★★★
Chronic Conditions ★★★★★
Prescription Meds ★★★★★
Dental Coverage ★★★★★
Routine Care ★★★★★
Alternative Therapies ★★★★★


  • No company covers pre-existing conditions
  • Pets Best Sample Policies (Updated November 2016)
  • Hereditary and Congenital Disorders - There are 7 conditions that have a 12 month waiting period: luxating patellas, portosystemic shunts, elbow dysplasia, hip dysplasia, osteochondritis dissecans and cardiovascular defects. The waiting periods for these conditions can be reduced to only 14 days if a veterinary exam confirms the pet does not have these health conditions. The exam must be performed up to 10 days prior to enrollment or no later than 30 days after enrollment. Vet fills out Pet Health Checklist and 12 month waiting period is waived.
  • Waiting period for cruciate ligament injuries is 6 months

Five Plans to Choose From

  1. BestBenefit Accident and Illness - BestBenefit plan levels 1, 2 and 3 offer the most comprehensive coverage.
  2. Feline Illness - The Feline Illness plan covers diagnosis and treatment of cat illnesses including diabetes and kidney failure.
  3. Accident Only - The Accident Only plan covers the treatment of accidents including exams, X-rays, surgeries, hospitalization and medications.
  4. EssentialWellness - Economic routine care coverage can be added for an additional premium and helps pay for routine care with no deductible to meet.
  5. 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 $0 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 6-12 months *
Policy Exclusions Listed Below

* Orthopedic Conditions: Seven conditions are subject to a 12-month waiting period, which will be waived if your pet is examined by a veterinarian and determined to be in good health within 30 days of enrollment. The conditions are: Cruciate Ligament Injuries, Luxating Patellas, Portosystemic Shunts, Elbow Dysplasia, Hip Dysplasia, Osteochondritis Dissecans and Cardiovascular Defects. Cruciate ligament injuries subject to 6 month waiting period.

Chronic Conditions considered a single incident and cruciate ligament injuries are not considered bilateral conditions (this is good).

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.

Category #2 - Cost

Category Rating: ★★★★

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.

Base Premium ★★★
Fees ★★★
Annual Increases ★★★★
Deductible ★★★★★
Reimbursement ★★★★★

* 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 How Much Pet Insurance Will Cost You

Learn More: Pet Insurance Cost

Category #3 - Customers

Category Rating: ★★★★

Customer Satisfaction: 90%

Total Reviews: 3,076

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

Customer Reviews ★★★★
Expert Reviews ★★★★
Claims ★★★★
Waiting Periods ★★★★★
Ease of Enrollment ★★★★★

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

- Baron & Veronique

Pet Insurance Reviews

Pictured: Baron and Veronique - Boise, Idaho

Related Content: Pets Best Insurance Reviews

Category #4 - Company

Category Rating: ★★★★

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.

Company ★★★★★
Policy Options ★★★★★
Service ★★★★★

Dr. Jack Stephens with Lassie

Pictured: Dr. Jack Stephens

Company Profile

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 U.S. veterinarian
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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