Pets Best's pet insurance scores 3.8 out of 5 for cats and 4.05 for dogs in MoneyGeek's analysis. The company excels in coverage, ranking second nationally, but scores low in affordability, particularly for cat owners where it ranks sixth. Pets Best requires a 14-day waiting period for accidents and illnesses, matching industry standards.
Pets Best Pet Insurance Review
Updated: October 10, 2025
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Pets Best Pet Insurance Review: Key Takeaways
Pets Best ranks sixth for cat insurance affordability and fourth for dog insurance, with monthly premiums starting at $28 for cats and $53 for dogs.
Ranking fifth nationally for customer experience, Pets Best earns a B+ rating with the Better Business Bureau and receives positive customer feedback on Trustpilot.
Pets Best ranks second nationwide for coverage options, offering accident-only and accident and illness plans, plus optional wellness riders for routine care coverage.
Pets Best Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 4.15 | 4 |
| Coverage | 4.04 | 2 |
| Customer Experience | 3.96 | 5 |
| Overall Score | 4.05 | 3 |
WHO IS PETS BEST PET INSURANCE BEST FOR?
Pets Best ranks among the best pet insurance companies for owners prioritizing affordable deductibles and unlimited coverage limits. The provider covers hereditary conditions, behavioral issues and exam fees without additional charges.
Pet owners needing immediate accident protection should consider the waiting periods before coverage begins.
Pets Best Pet Insurance Ratings by State
Pets Best provides coverage nationwide and shows consistent performance across states. For dogs, it achieves second place in one state and third place in 25 states overall. The company ranks second for coverage in all 50 states for cats and dogs. Pets Best also performs well in dog insurance affordability, ranking second in five states and third in 20 states.
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Category:Overall Score
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Pet Type:Dog
| Alabama | 4.15 | 4 |
| Alaska | 4.10 | 4 |
| Arizona | 4.05 | 3 |
| Arkansas | 4.15 | 4 |
| California | 4.05 | 6 |
| Colorado | 4.05 | 3 |
| Connecticut | 4.05 | 4 |
| Delaware | 4.05 | 3 |
| Florida | 4.05 | 3 |
| Georgia | 4.05 | 4 |
| Hawaii | 4.05 | 4 |
| Idaho | 4.10 | 4 |
| Illinois | 4.05 | 4 |
| Indiana | 4.10 | 4 |
| Iowa | 4.10 | 3 |
| Kansas | 4.10 | 4 |
| Kentucky | 4.20 | 4 |
| Louisiana | 4.10 | 3 |
| Maine | 4.05 | 4 |
| Maryland | 4.10 | 3 |
| Massachusetts | 4.05 | 4 |
| Michigan | 4.05 | 3 |
| Minnesota | 4.05 | 4 |
| Mississippi | 4.10 | 3 |
| Missouri | 4.15 | 4 |
| Montana | 4.10 | 4 |
| Nebraska | 4.10 | 3 |
| Nevada | 4.05 | 3 |
| New Hampshire | 4.05 | 3 |
| New Jersey | 4.05 | 3 |
| New Mexico | 4.15 | 3 |
| New York | 4.05 | 3 |
| North Carolina | 4.10 | 3 |
| North Dakota | 4.10 | 3 |
| Ohio | 4.05 | 3 |
| Oklahoma | 4.10 | 3 |
| Oregon | 4.05 | 4 |
| Pennsylvania | 4.05 | 3 |
| Rhode Island | 4.10 | 4 |
| South Carolina | 3.95 | 4 |
| South Dakota | 4.10 | 3 |
| Tennessee | 4.10 | 4 |
| Texas | 4.05 | 4 |
| Utah | 4.05 | 3 |
| Vermont | 4.10 | 3 |
| Virginia | 4.05 | 3 |
| Washington | 4.20 | 4 |
| West Virginia | 4.10 | 3 |
| Wisconsin | 4.05 | 2 |
| Wyoming | 4.10 | 4 |
Pets Best Pet Insurance Comparison
See how Pets Best pet insurance fares against national competitors below.
Pets Best vs. AKC | • Dogs: 4.05 vs. 4.30 • Cats: 3.80 vs. 3.85 | AKC offers stronger coverage and higher overall scores, while Pets Best is slightly more affordable for dogs. |
Pets Best vs. ASPCA | • Dogs: 4.05 vs. 3.85 • Cats: 3.80 vs. 3.35 | ASPCA has cheaper dog plans, but Pets Best has better overall coverage and balanced scores for both pets. |
Pets Best vs. Embrace | • Dogs: 4.05 vs. 2.55 • Cats: 3.80 vs. 2.30 | Pets Best is stronger across all categories, offering better affordability, coverage and overall value than Embrace. |
Pets Best vs. Fetch | • Dogs: 4.05 vs. 2.70 • Cats: 3.80 vs. 2.95 | Fetch has decent coverage, but Pets Best wins on affordability and customer service, with higher overall scores. |
Pets Best vs. Figo | • Dogs: 4.05 vs. 3.60 • Cats: 3.80 vs. 3.80 | Figo is cheaper for cats, but Pets Best provides more consistent coverage and stronger dog scores overall. |
Pets Best vs. Hartville | • Dogs: 4.05 vs. 3.50 • Cats: 3.80 vs. 3.90 | Hartville has affordable cat coverage, but Pets Best is stronger for dogs with higher overall and coverage scores. |
Pets Best vs. Lemonade | • Dogs: 4.05 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade is cheaper and scores higher overall, but Pets Best offers more comprehensive coverage for both pets. |
Pets Best vs. Liberty Mutual | • Dogs: 4.05 vs. 2.65 • Cats: 3.80 vs. 2.30 | Pets Best outperforms Liberty Mutual in all areas, with stronger affordability, coverage and customer service. |
Pets Best vs. MetLife | • Dogs: 4.05 vs. 3.05 • Cats: 3.80 vs. 2.40 | Pets Best is the clear winner, with higher scores and better service than MetLife across the board. |
Pets Best vs. Nationwide | • Dogs: 4.05 vs. 2.50 • Cats: 3.80 vs. 2.65 | Nationwide costs less, but Pets Best provides better coverage and stronger overall value. |
Pets Best vs. Pumpkin | • Dogs: 4.05 vs. 3.70 • Cats: 3.80 vs. 4.15 | Pumpkin is more affordable for cats, but Pets Best excels in coverage and overall value, especially for dogs. |
Pets Best vs. Rainwalk | • Dogs: 4.05 vs. 4.05 • Cats: 3.80 vs. 3.95 | Rainwalk shines in customer service, while Pets Best provides stronger coverage and affordability balance. |
Pets Best vs. Spot | • Dogs: 4.05 vs. 3.75 • Cats: 3.80 vs. 4.15 | Spot is more affordable for cats with strong service, but Pets Best maintains better overall coverage. |
How Much Does Pets Best Pet Insurance Cost?
Pets Best pet insurance costs an average of $53 monthly ($643 annually) for dogs and $28 monthly ($329 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $53 | $60 | $643 | $723 | 11% |
| Cat | $28 | $32 | $329 | $379 | 13% |
Pets Best Pet Insurance Rates by State
Pet insurance premiums vary by state due to different veterinary costs and local claim patterns. Pets Best offers the cheapest pet insurance for cats in Arkansas at $19 monthly, compared to Massachusetts at $36. Arkansas residents pay $36 monthly for dogs, while Massachusetts owners face $69 premiums, nearly double the cost.
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Pet Type:Dog
| Alabama | $39 | $473 |
| Alaska | $52 | $627 |
| Arizona | $65 | $783 |
| Arkansas | $36 | $431 |
| California | $67 | $814 |
| Colorado | $67 | $810 |
| Connecticut | $61 | $735 |
| Delaware | $54 | $647 |
| Florida | $60 | $729 |
| Georgia | $48 | $580 |
| Hawaii | $54 | $650 |
| Idaho | $53 | $644 |
| Illinois | $66 | $797 |
| Indiana | $48 | $582 |
| Iowa | $45 | $541 |
| Kansas | $48 | $583 |
| Kentucky | $42 | $509 |
| Louisiana | $43 | $518 |
| Maine | $65 | $781 |
| Maryland | $52 | $630 |
| Massachusetts | $69 | $829 |
| Michigan | $53 | $645 |
| Minnesota | $55 | $667 |
| Mississippi | $45 | $547 |
| Missouri | $42 | $507 |
| Montana | $45 | $539 |
| Nebraska | $48 | $581 |
| Nevada | $55 | $667 |
| New Hampshire | $62 | $747 |
| New Jersey | $60 | $727 |
| New Mexico | $47 | $568 |
| New York | $58 | $700 |
| North Carolina | $47 | $573 |
| North Dakota | $41 | $494 |
| Ohio | $49 | $590 |
| Oklahoma | $45 | $537 |
| Oregon | $66 | $800 |
| Pennsylvania | $56 | $670 |
| Rhode Island | $46 | $559 |
| South Carolina | $56 | $672 |
| South Dakota | $47 | $569 |
| Tennessee | $49 | $594 |
| Texas | $56 | $681 |
| Utah | $51 | $614 |
| Vermont | $50 | $599 |
| Virginia | $57 | $687 |
| Washington | $61 | $740 |
| West Virginia | $46 | $556 |
| Wisconsin | $57 | $690 |
| Wyoming | $49 | $596 |
Pets Best Pet Insurance Rates by Breed
Pets Best premiums vary based on your pet's breed. Cat owners pay as little as $15 monthly for Russian Blues but up to $33 for Abyssinians. Dog premiums show an even wider range, from $18 for Chihuahuas to $117 for Bernese Mountain Dogs. These price differences reflect each breed's health risks and veterinary costs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $33 | $390 |
Is Pets Best Pet Insurance Expensive?
Pets Best ranks fourth for dog affordability and sixth for cats in our study, making it a moderately priced option rather than the cheapest available. Use the filterable table below to see whether Pets Best is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$5,000
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Reimbursement %:80%
| $62 | $753 | 12% |
Pets Best Pet Insurance Discounts
Pets Best provides four pet insurance discounts that can lower your premium costs. The company offers savings for military members, veterinary staff, employer group benefits and multiple pets. These discount programs help make pet insurance more affordable for eligible customers across different backgrounds and situations.
BestBenefit plan discount | 5% | Applies to accident and illness plans in most states |
Multiple pets | 5% | Must insure more than one pet with Pets Best |
Vet exam enrollment benefit | 10% | Must enroll within 10 days of a veterinary exam through a participating clinic |
Union or association discount | Up to 12% | Must be a member of a qualifying union or association |
Pets Best Pet Insurance Customer Service Reviews and Ratings
Pets Best ranks fifth nationally for customer service with cats and dogs. The company receives poor marks from the Better Business Bureau but earns moderate ratings on Trustpilot. Reddit users often praise helpful representatives and smooth claim processes, though some report frustrations with claim denials and delayed responses.
Pets Best Trustpilot Reviews
Pets Best earns a 4 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Pets Best's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Pets Best Better Business Bureau Rating
Pets Best holds an F rating from the Better Business Bureau and is not BBB accredited. The F grade is BBB's lowest rating, indicating concerns with complaint handling or business practices. BBB ratings reflect how well companies resolve customer issues and follow ethical standards.
Pets Best Pet Insurance Reddit Sentiment
Pets Best shows mixed Reddit feedback in our analysis of 10 comments. Seven were positive while three expressed concerns, resulting in 70% positive sentiment. Users praised responsive customer service and clear policy language, though some criticized claim denials and coverage gaps. These varied experiences show how different customers navigate Pets Best's claims process.
Pets Best Pet Insurance Coverage
Pets Best offers pet insurance coverage for dogs and cats. Pet owners can customize their policies through multiple coverage levels and optional add-ons, allowing them to create plans that match their budget and their pet's health requirements.
Deductibles | $0, $50, $100, $200, $500, $1,000 |
Annual limits | Unlimited annual and lifetime benefit options available |
Reimbursement rates | 70%, 80%, 90% |
Coverage for accident-only plan | Treatment for injuries such as broken bones, swallowed objects, poisoning, medications, surgery and emergency care |
Coverage for accident and illness plan | Includes accident coverage plus hereditary and chronic conditions, cancer, infections, allergies, diagnostic testing, hospitalizations and surgery |
Prescription medications | Covered if prescribed for an eligible accident or illness |
Chronic conditions | Continued coverage if the condition was not pre-existing and the policy is renewed |
Waiting periods | Standard waiting periods apply; length may vary by state |
Enrollment restrictions | No maximum age limits; any licensed U.S. or Canadian veterinarian can be used |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Pets Best Pet Insurance Coverage Add-Ons
Pets Best provides optional wellness add-ons that cover routine preventive care services. These plans reimburse owners for vaccinations, dental cleanings, wellness exams and other routine treatments. The add-ons feature no deductibles or waiting periods, so coverage begins right after enrollment.
EssentialWellness | Covers routine exams, core vaccinations, deworming, microchipping and preventive blood work |
BestWellness | Includes all Essential benefits plus spay/neuter, dental cleanings, advanced blood panels and additional vaccines |
Is Pets Best Pet Insurance Good: Bottom Line
Pets Best charges $53 monthly for dog coverage and $28 for cats on average. The company ranks fifth nationally for customer experience and maintains moderate ratings from Trustpilot and the Better Business Bureau. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available as an add-on for routine care expenses.
Pets Best Pet Insurance Review: FAQ
We’ve addressed some frequently asked questions about Pets Best pet insurance below:
Is Pets Best pet insurance worth it in 2025?
Yes, Pets Best is worth it in 2025, particularly for dog owners. The company ranks second nationally for coverage quality and offers competitive pricing with average monthly premiums of $53 for dogs and $28 for cats. Its strong coverage options and moderate customer experience scores make it a solid choice.
What do Reddit users really think about Pets Best pet insurance?
Reddit users have mixed reviews about Pets Best pet insurance. Our data shows 70% positive sentiment, with seven favorable comments versus three negative ones. Users praise the company's customer service and smooth claims process. Some criticize coverage limitations and occasional delays in reimbursements.
Does Pets Best cover pre-existing conditions for pets?
Pets Best excludes pre-existing conditions from coverage. The company makes an exception for curable conditions that remain symptom-free and treatment-free for 180 consecutive days. After this waiting period, coverage may apply if the condition returns. Chronic conditions and knee or ligament issues are permanently excluded.
Can I get a discount for insuring multiple pets with Pets Best?
Yes, Pets Best provides a discount when you insure multiple pets on the same policy. The company also offers additional savings through AAA membership, workplace benefit programs and other qualifying memberships that help reduce your overall premium costs.
Is Pets Best pet insurance available in my state?
Pets Best pet insurance is available nationwide across all 50 states. Premium costs vary by location. Cat coverage starts at $19 monthly in Arkansas and reaches $36 in Massachusetts. Dog insurance ranges from $36 per month in Arkansas to $69 in Massachusetts, making location a key factor in pricing.
How We Rated Pets Best Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Pets Best performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and coverage levels, then factored in available discounts to reflect what you'd actually pay.
Customer Experience (30% of score): Real customer reviews and ratings from Trustpilot and Reddit helped us gauge satisfaction levels and service quality.
Coverage Options (20% of score): We examined policy benefits, wellness add-ons and coverage breadth to assess how well plans meet diverse pet owner needs.
All quotes used standardized parameters: a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Pets Best Insurance Services LLC." Accessed October 15, 2025.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed October 15, 2025.