In-Depth Review

Pets Best Insurance Review

Last updated: March 2026 | Reviewed by Mike (AAI, PRC, SBCS, CCIC)

Overview

Pets Best was founded in 2005 by Dr. Jack Stephens, a veterinarian who also founded the first pet insurance company in the U.S. (Veterinary Pet Insurance, now Nationwide). This veterinary pedigree shows in the product design — Pets Best consistently offers one of the best value propositions in the market.

The standout features are the $50 deductible option (lowest in the industry), the 3-day accident waiting period, and competitive premiums that undercut many larger carriers while still offering an unlimited coverage tier.

Coverage Details

The BestBenefit Accident & Illness plan covers accidents, illnesses, hereditary conditions, cancer, emergency care, specialist visits, surgery, hospitalization, prescription medications, and diagnostic testing. Coverage limits range from $5,000 to unlimited annually.

Two wellness add-on tiers (EssentialWellness and BestWellness) cover routine care including exams, vaccinations, dental cleaning, spay/neuter, and microchipping.

Pricing & Premiums

Pets Best premiums are among the most competitive in the market, starting as low as $18/month for cats and $25/month for young dogs. The $50 deductible option is unique in the industry and keeps out-of-pocket costs low for frequent claims.

Choosing unlimited coverage with 90% reimbursement and a $50 deductible runs approximately $45–$65/month for most dogs, which is competitive with Healthy Paws' unlimited plans.

Claims Experience

Claims are submitted through the Pets Best app or web portal. Processing times average 5–10 business days, which is competitive with industry leaders.

Pets Best reimburses based on actual vet bills and offers direct deposit. The company has invested in improving its digital claims experience and provides clear explanations of benefits with each decision.

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