Pets Best

Pets Best

 3.1/5 (112 reviews)

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Overall Rating3.1 out of 5
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About Pets Best

Pets Best is a pet insurance company specializing in flexible coverage for cats and dogs. Customers can cover their pet for accidents only or for both accidents and illnesses. The annual limit, deductible and reimbursement percentage are all customizable. Pets Best, founded in 2005, has insured over 100,000 pets and paid out over $200 million in claims, according to its website.

    Pros & Cons


    • Affordable
    • Highly customizable
    • No upper age limit
    • Wellness coverage options


    • Doesn’t cover holistic therapy
    • No stand-alone routine care coverage

    Bottom Line

    With Pets Best, pet owners have the ability to choose levels of coverage that match their needs, ranging from accident-only coverage to a BestBenefit accident and illness plan. It’s a solid insurance option for dogs and cats.

    Pets Best coverage plans

    Pets Best dog and cat insurance plans include coverage for accidents and illnesses, emergency treatments, hospitalization, surgery, cancer, hereditary conditions and prescription medication. Its wellness plans cover wellness exams, flea and tick prevention, vaccination and more.

    All Pets Best coverage options include access to a 24/7 helpline, one annual deductible, optional direct payment to the vet and the use of any licensed vet in the U.S. or Canada. There is no upper age limit on plans. Annual limits and deductibles are customizable.

    • Dog insurance: BestBenefit dog insurance plans cover accidents and illnesses with 70%, 80% or 90% reimbursement. These plans also cover chronic conditions, cancer treatment, emergency care, diagnostics, hospitalization, surgery, prescription medication, periodontal disease and humane euthanasia. Plans also include coverage for hereditary and congenital conditions, like hip and elbow dysplasia. You can choose to exclude exam fees and prescription medication from your plan if it’s better for your budget.
    • Cat insurance: BestBenefit cat care plans offer the same coverage as the dog insurance plans. This insurance pays for exam fees and treatment related to accidents, illnesses, hereditary conditions and cancer. Reimbursement rates are either 70%, 80% or 90%.
    • Routine care coverage: Pet wellness plans featuring routine care are available for both dogs and cats as add-on coverage. Many people add routine care to their accident and illness plans for more complete coverage. There are two plans: EssentialWellness and BestWellness.

    Pets Best also offers accident-only coverage that covers things like broken bones and the swallowing of unsafe objects.

    Pets Best cost

    At the time of publishing, accident-only plans for dogs start at $9 per month. Accident-only plans for cats start at $6 per month. Comprehensive BestBenefit plans, which cover accidents and illnesses, average $35 to $58 per month for dogs and $22 to $46 per month for cats, according to the Pets Best website. The EssentialWellness and BestWellness plans, which cover routine care, are $16 per month and $26 per month, respectively.

    Keep in mind that pet health insurance premiums are determined by a few factors, including your animal’s age and breed, where you live and your plan’s annual deductible, annual limit and reimbursement level. New customers should contact the company directly for the most accurate quotes.

    Pets Best FAQ

    What does Pets Best not cover?

    Pets Best doesn’t cover preexisting conditions, elective and preventive procedures, parasites, grooming, special diets, supplements, holistic therapy, herbal therapy or experimental therapy.

    Is there a waiting period after enrollment?

    Yes. For accidents, there is a three-day waiting period. For illnesses, the waiting period is 14 days. There’s a six-month waiting period for cruciate ligament conditions. There is no waiting period for routine care plans.

    Does Pets Best have any payout limits?

    Yes, but these annual payout limits can be customized. There is also the option of an unlimited annual payout.

    Where is Pets Best available?

    Pets Best plans are available in all 50 states. Customers can choose any licensed veterinarian in the U.S., Canada or Puerto Rico and have coverage while traveling.

    What is Pets Best’s cancellation policy?

    You can cancel a Pets Best policy within 30 days of the effective date for a 100% refund as long as Pets Best hasn’t paid any claims. Otherwise, you can cancel and receive a prorated refund. Check your policy for specific details about cancellation.

    Is Pets Best worth it?

    There are many benefits to choosing a Pets Best plan for your dog or cat. You can choose accident-only or accident and illness coverage, customize your annual limit and deductible and add on a wellness plan for routine care. Pets Best also lets you choose any licensed vet, has optional direct vet payment and includes access to a 24-hour vet hotline with all policies. As you would when shopping for any insurance product, get quotes from multiple companies and read over the fine print so you know what’s covered.

    Pets Best Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: April 5, 2023

    I have this insurance since a year, I have submitted multiple claims but everything is being denied saying it's a preexisting condition. Such a waste of money, you rather save that money and put it in your bank and spend it when your pet really needs them.

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 1, 2023

    After being careful to sign my new dog up for insurance and scheduling the first vet visit after the waiting period, Pets Best still said that his allergies were a pre-existing condition because the vet noted the itchiness had overlapped with the waiting period. Customers and vets need to be WAY more educated about what total slippery bottom feeders this (and likely all) insurance companies are: you can't so much as say a word about any symptom that isn't after the waiting period.

    As is, my dog was denied coverage for his allergies, and that means they've ruined his ability to ever have it insured because it's not a cemented pre-existing condition. After paying years of premiums to Pets Best for several previous dogs, I canceled this policy and will never sign another dog up with them again. I wish them a giant pile of karma.

    8 people found this review helpful

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      Rated with 1 star
      Verified Reviewer Verified Buyer
      Original review: March 31, 2023

      PetsBest Insurance is the worst pet company I’ve ever dealt with. They take forever to process a claim stating they are busy with an influx of claims. In my experience with the several claims I have filed, the lengthy time they take to review my claim is solely used to do their very best to collect any info that might disqualify my claim. My initial claim sat for 3 weeks with no attention. I called several times and was told they had all the info to process my claim. On my final call regarding this particular claim, I was notified that no one has been working on my claim and after 3 weeks and still, no one had contacted my vet for medical records.

      I filed a wellness claim that got incorrectly processed as an “illness” claim (twice) under which the services I received were not covered by my medical policy, but were covered almost entirely under my wellness plan (which is of course an additional monthly charge). I called PetsBest and emphasized it was a wellness claim and the claim AND vet records both reflected that fact. The agent helping me said he would make a note about the wellness claim to ensure it would be processed correctly. However, when I was eventually notified of the resolution of these two incorrectly processed claims (since they were YET AGAIN) processed as an illness instead of wellness I did not receive any reimbursement for the visit.

      Once again I had to resubmit the vet records clarifying that it is a wellness claim NOT an illness. For my wellness claim to be processed (3 months after the visit and original claim submission) the co then stated they needed an itemized bill of the wellness visit in order to process the claim correctly. When I called the vet to request this info the receptionist said she has never had an insurance company request something like that and she doesn’t understand why the insurance co is being so difficult. My final claim was partially paid out but of course, all the money went back to PetsBest to be paid against my deductible.

      I’ve spent over $480 on monthly insurance payments in the course of 3 months. In that time, I’ve spent over $1,000 in veterinary services that were almost all denied reimbursement for. Using PetsBest insurance was a HUGE waste of time and money as the only payout they approved went to my deductible so that’s more money I wasted on for the insurance co to take forever just to do basically nothing. Every agent I spoke to told me different info and they say they’ll call you and update you but no one ever does. Overpriced and underserved.

      5 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 27, 2023

      I insured my dog in June 2022. I filed a claim in October 2022, for a services that were covered. They kept sending emails about not having my dog's records. Last week I received an email stating they needed records from a different Vet that my dog went to. All records were sent when I initially filed the claim. Today, 3/27/2023, I received an email stating that they now needed receipts which was all included in the initial claim. A couple hours later I received an email stating that the claim was being denied due to the services not being covered. The process with this claim went on from October 2022, up and until today, March 27, 2023.

      Actually, this process is by far more lengthly than I'm sharing but, for the sake of brevity I'm providing only the pertinent details. This company is the worse. I truly believe they have found a way to manipulating unsuspecting customers by collecting premiums and coming up with reasons for not paying claims. Do yourself a favor and stay away from Pets Best because this company in my opinion is a scammer and a fraud.

      4 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 15, 2023

      I'm so grateful for Pet's Best Insurance! My dog recently had a health scare when he was diagnosed with a ruptured growth on his spleen. The cost for surgery was estimated to be around $8,000, and there was a 75% chance that the growth was cancerous. My family suggested putting him down, but I remembered that I had purchased Pet's Best Insurance on a whim last year.

      I called them up to ask if this would be covered, and while they couldn't give me a definitive answer without all the documentation, they told me that cancer is generally covered. We decided to go ahead with the surgery, which ended up being a week-long ordeal with complications such as low blood pressure and low potassium. He even needed a blood transfusion! But thankfully, Pet's Best Insurance covered almost all of the $13,000 in bills, minus the $1,000 deductible and 10%.

      The biopsy did come back as malignant, and the doctors think that the cancer has already spread. My little guy has 3-9 months to live, but at least I can spoil him for the time he has left. Without the insurance, we would not have been able to afford the surgery and give him this chance. From reading all the bad reviews a few things I seemed to notice that will get people denied. Now I don’t work for Pets Best or have any more insight into what they actually need but it seems a little vague on their website. So, take this with a grain of salt, but this is what I did to get my claim processed with no push back. I never even had to call or talk to them after I submitted my claim.

      1) Not doing your annual wellness check on your dog.
      2) Not having paid the vet bill in full. (The documents you submit must indicate this)
      3) Not having at least a years of vet records (see 1).
      4) Not noticing that your credit card has expired and allowing your plan to lapse. (On the week I submitted my claim, I log into pets best and notice that my credit card had indeed expired, and they failed to charge my card because of this. Luckily, I noticed the day the bill was due and was able to pay online)
      5) Submitting claims for non-covered procedures.

      6) Not submitting your complete medical records from your vets when you file your claim.

      I made sure all of these things were done before I submitted my claim, contacted the eVet and vet for my dogs complete medical records and all bills from the eVet and made sure they had a zero balance due. I reviewed all documents before submitting caught an error in the age listed by the eVet that did not match the vet and was able to get that corrected. Submitted everything and about three weeks later I was approved! Thank you Pets Best!

      Be the first one to find this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 12, 2023

      I have been paying this health insurance monthly, and I never got any coverage in anything. It is always some excuses saying that was a preexisting condition. I did submit an appeal one time and never heard anything about it. Plus they increased so much the monthly payment. I'm totally going to cancel it. I'm throwing my money in the garbage.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 1, 2023

      Seemed fine at first, except that I wasn't doing the math. Insured since 2020, put in the form for cancelation today because honestly, it's a hassle to be reimbursed + you will never, ever EVER get more out of it than you pay into it. $806.56 a year for a cat to have the best insurance possible (90% reimbursement, $250 deductible, wellness, dental, medication), plus $927.85 worth of submitted claims and they paid out $240.11. This means my costs for my pet were $1,494.30 for the year instead of $927.85 for the year. I can't afford paying $566.45 more every year for a hassle, especially when the premium skyrockets as the gap between what you pay them and they pay you gets too narrow. I'm going to stick what I was paying pets best into savings from now on just in case my $2,400 limit credit card just for my cat isn't enough. I guarantee you that even with my old man of a cat, I'll be saving money not paying for pet insurance.

      There's only a few things that could be done to make that $566.45 worth it. The first one is if I never had to submit claims because the pet insurance worked more like medical insurance, where I pay the co-pay and the insurance company sent me a bill for whatever they couldn't cover (or the vet could at a later date after being told by the insurance company it's not covered). The second would be that prescription foods were covered in some degree, you know, because it's a prescription.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 15, 2023

      I've read a lot of reviews and all are similar. They will take their time processing your claim, you will call them multiple times but never get to talk to the claims office because I don't think they have one. You will end up just talking to representatives that will "document" and pass on to the claims center. I called multiple times, uploaded all medical records, the claims were denied because they couldn't obtain medical records. Don't use them. This company is a scam.

      15 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 6, 2023

      This company has been nothing but a nightmare. We went with Pets Best insurance on a recommendation from a friend that had a positive experience with their previous pets. I purchased the insurance when we got our puppy at 10 weeks old. Unfortunately, our puppy contracted parvo shortly after getting her second round of vaccinations. This led us to an emergency vet visit. The visit took place in October and as of writing this in January the claim has not been resolved. I submitted the claim and all of the documentation from the vets we saw in conjunction with the illness.

      After several weeks of hearing nothing and calling only to be told they were really busy and things were taking a while our claim was denied due to "lack of documentation from the vet". When I have inquired about his I was first told that the reason was that they needed 6 months worth of medical records for our dog in order to approve the claim. My dog was just over 2 months old when she got sick and after explaining to them that she wasn't alive 6 months prior they tried to tell me that they requested records from the vet and never received them. I confirmed the records that they had were from all of the vets that we had seen for this issue but somehow they had a vet listed that we never saw for this issue or any have seen at any other time. They are unable to tell me where it is listed in our file that this specific vet is listed as being seen. They refuse to believe we never saw this vet and refuse to approve the claim for the vets we actually saw.

      Their system of receiving medical records from vets is an email system. One that once the records are sent is rarely checked because I always would call and confirm with my vet the date that they emailed records to Pets Best. I would then call Pets Best and after they tell me that they had not received anything I would give them the date my vet emailed the records and then magically it was found. It has been nothing but disappointing and I whole heartedly do not recommend them. I will purchase a different insurance and cancel this policy with Pets Best as soon as the new waiting period is over. Please look elsewhere for your pet's coverage. At this point I have paid thousands towards vet bills that would have been covered under our policy and have received nothing but a runaround and excuses. Do better Pets Best, do better.

      12 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 30, 2023

      My dog has been insured under them since 2018 when he was a puppy. This past month he needed to have some periodontal disease taken care of. Pets Best paid lots of money to write their policy in such a way, that you are misled, and you can't get anyone on the phone to ask about coverage beforehand. They are CON ARTISTS. They state, they will only cover periodontal disease, if your dog has a cleaning, and the periodontal disease is fixed. Once that happens, they will cover it if it happens again, so basically to get periodontal coverage, your dog has to get it twice in 13 months, and they only cover the 2nd time.... WHY NOT JUST SAY WE DON"T COVER IT! - Better off putting the 50.00 a month in an interest-bearing savings account, because this INS co is crap!

      11 people found this review helpful

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        Pets Best Company Information

        Company Name:
        Pets Best
        Year Founded:
        2323 S. Vista Ave. Ste. 100
        Postal Code:
        United States