Pets Best Reviews

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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
  • Affordable
  • Highly customizable
  • No upper age limit
  • Wellness coverage options
Cons
  • Doesn’t cover holistic therapy
  • No stand-alone routine care coverage

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.

Still have questions?

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.

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Pets Best Reviews

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    How do I know I can trust these reviews about Pets Best?
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    Page 1 Reviews 0 - 10
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    PriceStaffValue

    Reviewed May 25, 2026

    Good for younger pets, but the premium skyrockets after a few years. Even if you’ve not made any claims. I’ve been a customer for ten years, have never received a reimbursement that outpaced my premium, and they just jacked my premium by over $700. Not worth it. If I could do it over, I’d Put money aside every year in a high yield savings account dedicated to pet care.

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    CoveragePricePunctuality & SpeedTimeliness

    Reviewed May 24, 2026

    I am appalled by the level of dismissal of a claim we have had this ins since my dogs were newborns. Never used but once. 11 years now, we submit all paper work needed by Pets Best. They say didn't receive, husband sent them all papers from vet regards to puppy's surgery. Again said didn't receive. I even spoke to supervisor. Later that same day went to pay balance and husband says got a denial without them receiving records on surgery directly from vet clinic. I walk in clinic same day I'm asked if I wish for vet to send to pet best? I say ironically to Ashley it's already been denied. She's shocked! Asks me without our records? I say yes. She offers to send records even so!

    Later that evening maybe 6 hours later after clinic sent records we receive a second denial from pet best. They are paying zero. If these people are not gonna pay when your animals start gettin older then why do we have ins. We are being ripped off... They don't have issues accepting our money over these years. My poor fur babies. I bought two insurances to make sure they are covered. I don't recommend this co to nobody!!! You're giving away your $$ for nothing. Better off opening a saving for your pets. My puppies are my life line. And everything so expensive. He needed a dental surgery lost all his teeth and was also fixed... The total was very costly. The vet even wrote off 500 disc. We paid 1500 out of our pockets plus labs 300 first ins 460 and that was appealed to get that. If we didn't get a disc. would've had to pay 2000$. It's disappointing how this was handled by what we thought was a good company for our fur babies.

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      Verified purchase
      CoveragePricePunctuality & SpeedBilling

      Reviewed April 30, 2026

      Here’s a strong, clean review you can post—keeps your message powerful but structured so people trust it: ⭐️⭐️⭐️⭐️⭐️ Pets Best Insurance Review. I don’t usually write reviews, but Pets Best absolutely earned this one! I had a major claim for my dog Lexi after she was diagnosed with cancer and needed surgery to remove a tumor from her neck. The total bill was over $8,000. I submitted my claim on 4/9, and by the last week of the month, my claim was approved and processed.

      If you are wondering is the cost per month worth it? YES!!!!! Pay the top plan if you can afford it because the cost in the end pays off when your pet is getting older and can't tell you what's wrong. Bills add up quick and some vets will push for you to say goodbye too soon! When you have a great insurance company behind you that pays quick, they allow you to fight the good fight for your pet! ALL IN ALL,... They kept their word—no runaround, no games, no conversations about anything other than "How is your pet doing?" and "we are glad you got what was needed for her."

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      Customer ServiceCoveragePrice

      Reviewed April 29, 2026

      I have been paying $65 a month for my cat and have found Pets Best to be a complete waste of my money. Not only have not covered any routine vet visits, they refuse to cover her monthly medication as well as her preventive heart worm and flea medication. This is after meeting the deductible. To make matters worse, her monthly cost of insurance went up to $95 a month! The final nail in the coffin is that it is almost impossible to reach them by phone. DO NOT GET THIS INSURANCE!

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      Verified purchase
      Customer ServicePunctuality & SpeedOnline & AppStaff

      Reviewed April 20, 2026

      I was recently a victim of identity theft as someone purchased a policy from Pets Best under my name for a dog I don't have. I contacted the company, and after an hour of hold time and talking to two different representatives, I was told someone would call me back in 10-25 days with a result. In addition, they wouldn't give me any information on "my" policy, even though I could verify my information (I guess they felt it important to protect the scammer's privacy). So, I registered my fake account so I could see the details. It shows that someone used my old address, work email, and phone number to open the account. There is no option to cancel online, so I will have to wait the 10-25 days for someone to review and call me back.

      Note: it is extremely difficult to get in touch with this company. Their IVR directs you back to their website in almost every instance, so it's hard to get a representative. The first time I called I waited 32 minutes, then was transferred to a survey to ask me how they did. Since I didn't talk to anyone, I said they didn't do very well. :) I called a second time and waited an additional 20-30 minutes before I did actually speak to someone, however, not with the end result I had hoped for. Bottom line, I didn't open this policy and want it canceled. But unfortunately, I will have to wait the 10-25 days for someone to review it and agree with me that this wasn't me. Very disappointing and frustrating. They definitely do not take this seriously, as the representative I spoke to said they have this happen all the time. And given my experience, there is absolutely zero urgency in getting it resolved. So, I guess me and "Buddy" are Pets Best customers now.

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      Laurie increased rating by 4 stars.
      Customer ServiceCoveragePunctuality & SpeedStaff
      After a positive interaction with Pets Best, Laurie increased their star rating on April 16, 2026.

      Updated review: April 16, 2026

      I rescind my earlier review. Been a customer 13 years. They finally approved and applied my issue a bloodwork test. I will be covered. Happy end result but getting getting it approved through appeal process was lengthy.

      Original Review: April 13, 2026

      I have been a client with multiple pets since 2013. The customer care and attention is crappy to say the least. Gone downhill this year. Can’t get anyone on phone and have to wait 30 minutes or more and argue your case to them after listening to the crappy hold music. 🎶I'm extremely disappointed ☹️ in the company. Premiums increase substantially when pet reaches five years of age. I am in the arduous process of multiple review proceedings on a claim for a blood test just because “wellness” was included in test order. It was not wellness. My pet dog was sick. I think I’ll piggy bank money and forego Pets “Worst” insurance. Unhappy customer.

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      Customer ServiceCoverageStaff

      Reviewed March 25, 2026

      This insurance is a waste, setting up a rainy-day fund would be more useful to a majority of customers. Coverage does not include the majority of a pet's needs, including emergency visits for wounds or preventative care like dental cleanings. When you call to cease coverage, the customer service representative repeatedly uses manipulate phrases to emotionally shame you for considering canceling insurance.

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      Customer ServiceStaff

      Reviewed March 18, 2026

      Awful. I would give a zero, but it makes me give one star. My sister passed and we are trying to transfer the policy into her daughter's name for her dog, Bella. I am the named executor in her will, but we did not need to go to probate, so we have no executor paperwork. They will not allow me to transfer the policy, as I cannot produce executor paperwork. I have called and escalated several times (hold times typically 30 - 40 minutes) and get the same story. I finally received a call back from Julie, but the same BS answer. Bella has a pre-existing condition, so we need to transfer the policy and not simply open a new one. One rep even told me I should just have my sister sign a letter to transfer the policy. Hello, she is dead.

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      Profile pic of the author.
      Customer ServiceCoverageStaff

      Reviewed March 14, 2026

      I am extremely disappointed and frustrated with Pets Best. I have been a loyal customer since 2022, paying premiums monthly for 4 years without a single claim. Now that my cat finally needed surgery for Tooth Resorption—a condition that clearly developed recently—Pets Best has done nothing but give me the run-around for over two months.

      The lack of consistency is appalling. My EOB states "additional information is needed," yet I received an email stating the claim is "not covered." Which one is it? I have provided all medical records showing my cat has been healthy and asymptomatic for years. Medically speaking, if this were a "pre-existing" condition from 2022, it would have been impossible for my cat to remain healthy and pain-free until 2026.

      Their customer service is non-existent. I have spent weeks trying to get a straight answer, only to be met with contradictory statements and bureaucratic delays. It feels like they are intentionally making the process difficult to avoid paying a legitimate claim. If this is not resolved immediately, I will be filing a formal complaint with the State Department of Insurance and taking my business elsewhere. DO NOT trust this company to be there for you when your pet actually needs help.

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      Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed March 9, 2026

      I have had Pets Best for 2 Dogs for over 5 years and until the last 6 months I have not had any issues. Recently I am having multiple issues getting reimbursed - from timing of pay back to errors on their site when trying to submit a claim. Right now I have been trying for 10 days and when I call they can't help. WHAT!!! Then recently I log on and noticed my payment was late even though I have automatic payments set up. It's been 3 weeks since due and received no notification. Then the following day the post on their site they are having issues with cc payments. Thanks for the notice .... Then come renewal they increased my premiums 76% are you kidding me!!!! Well I removed one pet and move them to another insurance. My other one has a heart condition so we are stuck with pets best until her end.

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      Pets Best Company Information

      Company Name:
      Pets Best
      Year Founded:
      2005
      Address:
      2323 S. Vista Ave. Ste. 100
      City:
      Boise
      State/Province:
      ID
      Postal Code:
      83705
      Country:
      United States
      Website:
      www.petsbest.com