Pets Best Pet Insurance Review

Rating: 7.8 / 10 (Very good)
44 Customer Comments & Reviews - see all comments
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Pets Best Insurance Services, LLC is a Boise, Idaho-based pet insurance company that covers dogs and cats for accidents and illnesses, and also routine care at additional cost. The company was founded in 2005 and carries an A+ grade with the BBB. Pets Best specifically states that their mission is to end economic euthanasia of pets.

How is Pets Best rated?


Benefit Limits
Claims and Service

Overall Rating: 7.8 / 10 (Very good)

Pets Best offers a variety of pet-centric plans which take into consideration the overall wellbeing of the animal more than other pet insurance plans. The company features standard coverage of things like prescriptions, exam fees, and alternative therapies. Pets Best also has a robust wellness package with two plan levels. Pets Best also has no age restriction; they will cover dogs and cats regardless of how old they are. However, only their top-tier plan is unlimited. The others have benefit limits of $5,000.

Pets Best Coverage

Coverage - 8.5 / 10

Pets Best offers three levels of coverage that are somewhat differently arranged than other pet insurance companies. The company's Essential, Plus, and Elite plans all cover accidents, illnesses, emergency care, and non pre existing hereditary conditions like most policies. However all plans also include prescription coverage which not all companies do. Plus and Elite cover exam fees, rehab therapies, chiropractic, and acupuncture. You can also purchase an accident only policy that is set at $10,000 annual limit, with a 90% reimbursement percentage and $250 deductible. Pets Best also offers two tiers of wellness plans that can be added to these policies at additional cost.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 6 / 10

Essential and Plus plans have an annual coverage limit of $5,000. Keep this in mind when choosing the Plus plan, as even with the extra covered services, you are still going to have a $5,000 maximum. The Elite plan offers unlimited annual benefits. This model is somewhat restrictive compared to other companies that allow you more options in annual limits.
Benefit Limit Types

Reimbursement & Deductibles

Reimbursement - 10 / 10

As with all the top companies, Pets Best allows you to choose a reimbursement level of 70%, 80%, or 90%. Reimbursement is provided up to a given plan's coverage limits.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 10 / 10

Pet's Best allows you the flexibility to set your deductible in increments between $50 and $1,000. This feature is in line with all the top pet insurance providers today.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Pets Best cost?

Pricing - 6.5 / 10

Pets Best pricing is extremely flexible compared to some of the other pet insurance companies we cover. Although their high end, all-inclusive elite plan can run $60-$70 a month, premiums for accident only plans can go under $10. And the less expensive of the wellness add ons is an extra $16.

Starting Monthly Premiums

Rate Details: Annual Deductible: $50, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: 5% Multiple Policy Discount

Enrollment & Waiting Periods

Enrollment - 7 / 10

Pets Best is one of only a few companies to allow enrollment at any age. What's more, there are no age limits for policy extensions as well. The waiting period is 14 days illnesses after effective date and 3 days for accidents.
Min Enrollment Age
7 weeks
Accident Waiting Period
3 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Claims and Service - 8 / 10

Pets Best will not raise your premium due to the number or types of claims made within a given year. The company also shines here with unusually fast claims processing. If you use direct deposit, Pets Best can often have your reimbursement to you within a week. Pets Best also features a 24/7 veterinary support line for all customers.
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
2323 S. Vista Ave. Ste 100, Boise, ID, 83705
Mailing Address
2323 S. Vista Ave. Ste 100, Boise, ID, 83705
Year Founded

What We’re Hearing From Our Readers
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Customer Comments

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steve b
Denver, Colorado

Pet's Best is absolutely the worst insurance carrier. Everything is a pre existing condition. The representatives with whom a person speaks is rude, unprofessional, and have no customer service skills whatsoever. Run away from this company and run very, very, very fast!
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Steve, we understand your frustration. However, the pet insurance industry does not cover conditions that originated prior to coverage. Based on your veterinarian medical records, the chronic condition claimed originated in 2015 which is two years prior to the purchase of the policy, deeming claimed condition pre-existing and not covered. We are sorry to see you go and wish you the best.

Salt Lake City, Utah

This is insane. There are FAR too many bad reviews to dismiss. I signed up for PetsBest but I'm still within the 30 day trial period. I wanted to provide the best care for my dog, but PetsBest will not be the way I go now. The editor even felt the need to point out the bad reviews to readers (And I thank him for that). Warning bells are going off all over the place. They need to learn that reviews make or break a business and when your business dealings are shady and littered with loopholes, then it comes back to haunt you. Review after review complaining about loopholes for paying on claims and then hearing about all the payment increases...yeah no thanks. Part of their policy... Read More
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Jill, we are sorry to see you go before giving us a fair chance as what you have drafted is incorrect about our policies. We wish you and your pet the best!

jack a
Framingham, Massachusetts

Claim received please contact us about your claim pre-existing condition denied. I wouldn't recommend this company to anyone. This is a scam with a nice website.
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Jack, in order to accurately process claims, we request medical records directly from your vet. The records made available indicate the claimed condition developed weeks prior to the inception or effective date of the policy, deeming this condition pre-existing and not covered by any insurance company. You are welcome to file an appeal if you disagree with the findings based on your veterinarian's notes. We have emailed you an appeal form. Please let us know if you have other questions.

Kingston, Tennessee

Stay away from this insurance company. It's great at first but they will give you the run-around at any attempt to file a general claim. They make it near impossible to get reimbursed and send you through hoops so that you will likely just give up. At the end they will argue "pre-existing condition" and violate their own policy to avoid paying claims. Highly disappointed with this company considering the amount of money I was paying.
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Tony, we are sorry to hear you've had a negative experience with Pets Best. We would like to look into your case but we cannot find you in our system. Please contact us at 1-877-738-7237. Have a good day!

Sheila W
Hudson, Florida

It makes me very unhappy to see the negative comments about Pets Best. I have been with them since 2004. I insured my Saint Bernards with them and my cats. At one time I had 9 animals insured with them. I have had many claims, sme totaling nearly $10,000. They have paid fully the amount the policy said was covered. No run around and no BS. Their Customer Service people have always been polite and compassionate. It is not their fault if people don't read their policy and know what it covers. Reading the policy is important! Then you know what is covered.
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Sheila, thank you for being a part of Pets Best!

Warren C
Rochester, Michigan

I'm one of the "lucky" ones that got a denied claim because of so BS this company spews. They are not interested in customer service at all. We got your money so F you is what you get. I have noted that not one of the responses from this clown Isis G actually showed anything in the client's favor. Just more run around and rhetoric but nothing accomplished. Liars and Thieves. DO NOT go with this company. They will not reimburse your major claims. They are are scam.
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Warren, we are sorry to hear you've had a negative experience. We show you've been in touch with our VP. We are sorry to see you go and wish you the best.

Beaverton, Oregon

I have been with Pet's Best since 2010 and left for 4 months because of a divorce economics and now I am back. I can't say ENOUGH GOOD THINGS about them. They process claims immediately, are helpful and compassionate on the phone and their rates for the same coverage elsewhere are much less. I think some who have left neg comments here have situations that no insurance company would have tolerated. I am not returning to Pet's Best and I am so relieved to be back with them. I know them well and highly recommend them to all.
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Thank you for being a part of Pets Best!

Michael S
Chandler, Arizona

As an insurance agent, I feel morally obligated to urge anyone reading this to NOT purchase from Pets Best. I have had MUCH better luck with Figo (and I can't even sell policies for Figo since my company is contracted with Pets Best). In my personal opinion, this company has got to be the WORST pet insurance company on the planet. After my claim was denied, I reviewed my policy and the "What's not covered? See a FULL list here". No where was it mentioned that this was an exclusion (infection post de-claw). They blew my concerns off on the phone and I subsequently filed a small claims case. Their lawyer argued that Pets Best is not an insurance company, but rather a third party that... Read More
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Seattle, Washington

I had signed up for a quarterly insurance with pets best on 7/7/2017 for a quarterly insurance. While signing up for the insurance i had provided my card information. Yesterday my card got automatically charged for the insurance for next quarter, but there was no email or any information given to me regarding the automatic payment during the end of the time. This is a shock to me and when i went to the website the site didn't show that my card will be automatically charged in the payment section or any where else where a normal user access the site. There was also no option to opt out of automatic payment in the site. When i call and asked for cancellation and refund, the person mentioned... Read More
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Dennis, payment as advised upon enrollment and in your policy documents, is automatically drafted. If you would like to opt our and send a quarterly check for payment you can. Refunds are not based on whether the policy was used or not, but rather how long you were insured. Insurance is meant to help you with the unexpected. We are sorry to see you go and wish you the best.

Richard J
Miami, Florida

With Pets Best, its all about the Money. Pets Bests after many years with them missed a payment and then submitted that payments for many month after they decide to send my check back in a blank piece of paper with no explanation. I guess that is how they do business not taking time to explain. Will not recommend this company!
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Isis G  
Official Response

Support of Pets Best Pet Insurance
Hi Richard, we have a grace period of 4 weeks for a missed payment. We tried to contact you advising of the upcoming lapse in coverage for your policy. As with any insurance company, payment must be received in order for coverage to continue. You are welcome to start a new policy for Baileys if you would like. Please contact us to go over policy oiptions. We wish you the best!

Our Partner
7.8 / 10
  • No Lifetime Limits
  • Unlimited Plan Option
  • 24/7 veterinary support line for all customers
  • Reasonably good coverage
  • No hereditary or congenital condition limitations