Pets Best Pet Health Insurance

Overall Rating






Customer Service


Pets Best Pet Health Insurance was founded in 2005 by Dr. Jack Stephens, who launched the first pet insurance company in North America in 1981. The company, which is based in Boise, Idaho, was acquired by Synchrony, the financial services company, in 2019, and is underwritten by American Pet Insurance Company. Policyholders enjoy its online features, low premiums, and prescription and rehabilitation coverage options.

  • Customizable coverage options
  • Low premiums
  • One annual deductible, versus a per-incident deductible 
  • Accident-only coverage option
  • Multi-pet discounts (5%)
  • Wellness coverage add-ons
  • Prosthetic limbs, devices, and mobility aids
  • Dental, behavioral, and medication coverage, but some conditions apply
  • No coverage age limit
  • Online claim submissions
  • Vet-direct pay option
  • Complex benefits
  • Six-month waiting period for ligament conditions
  • $2 monthly transaction
  • No alternative and holistic treatment coverage


Pros Explained

Pets Best’s mobile app allows policyholders to submit claims, change payment preferences, and add new pets on any device. Pet owners can quickly and securely access their pet's benefit information from anywhere, plus, they can earn referral rewards on the mobile app.

Pets Best pet insurance reimburses up to 90% of eligible costs. The premiums are comparatively low, and coverage is available for prescriptions for covered conditions. They offer an annual, (i.e., one-time per year) deductible, rather than a per-incident deductible like some insurance companies. There is no deductible for their wellness plans which can be used immediately on the policy effective date.

Pets Best offers a three-day waiting period for accident coverage, compared with the typical 14- day waiting period for accidents and illnesses. Coverage has no age cap, and pets as young as 7 weeks can enroll.

Cons Explained

While Pets Best offers multiple coverage options, the benefits can be complex to navigate. Pets Best has only two coverage limit options: $5,000 or unlimited coverage. The 14-day waiting period for illnesses, and the six-month waiting period for cruciate ligament injuries, are longer than some insurance companies. Pets Best does not cover pre-existing conditions, or holistic, herbal, and experimental therapies and medications.

Final Thoughts

Overall, Pets Best coverage options are more customizable than most. They offer a wide range of deductibles, along with the unlimited annual coverage option, which can suit those looking for a personalized pet plan. However, only two annual maximum payout options is limiting.

Pets Best insures pets as young as 7 weeks, which is younger than most companies and has no age limit, so your pet will be covered into their senior years. Finally, Pets Best’s mobile app allows you to access your pet's health benefits quickly on any device. If you're searching for customizable pet health insurance, Pets Best may fit your needs.