Pets Best Pet Insurance Review

Rating: 7.7 / 10 (Very good)
21 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
How is Pets Best rated?
Benefit Limits
Reimbursement Models
Claims and Service

Pets Best is a Good Pick

Pets Best is a respected brand with an A+ BBB ranking. They only rank below Healthy Paws, Petplan, Trupanion & Embrace because they have some coverage limitations. However, they're comparable to, or better than, the rest of the pet insurance companies with coverage in the United States.

Pets Best is a reputable company that reimburses based on actual vet bills as opposed to a benefits schedule, which is an important consideration when choosing the right pet insurance provider for your pet. 

What's Included with Pets Best:

  • Up to 100% reimbursement
  • $0 annual deductible option
  • Visit the vet of your choice
  • Coverage for hereditary & congenital conditions w/their BestBenefit Plans
  • Coverage for cold laser therapy, acupuncture, hydrotherapy & physical therapy 
  • Dental coverage includes fractures and some oral illnesses (not all companies cover oral illnesses)
  • Online Account Management (Edit payment information, submit claims, view claims history, and sign up for direct deposit)
  • Typical reimbursement for customers using direct deposit is within a week of submitting a claim

Additional Options:

  • Accident Only Plan
  • Wellness Care Add-on (for routine care coverage)

Plan Details:

 Type of contract

12 months

 Enrollment age

7 weeks, no upper age limits

 Effective date

 Refer to Declaration Page

 Waiting period

14 days illnesses after effective date, 3 days for injuries

 Out of state coverage


 Out of country coverage


 Claims and policy price

 NO increase in premiums due # or type of claims made

 Age limit

No upper age limits during enrollment, no age limits in terms of policy extension

 Annual deductible

 Choose your own deductible $0 to $1,000

 Claim limit

Plan dependent, maximum lifetime payout up to $200,000


What does Pets Best cover?

Pets covered – Cats and Dogs

Baseline coverage

a. Illness

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications

b. Accident and Injury

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications

c. Pre-existing conditions

NOT covered

d. Congenital conditions

Covered as long as said condition was not present prior to the effective date of the policy.

e. Chronic conditions

Covered as long as said condition was not present prior to the effective date of the policy.

Continual coverage is available

f. Cancer

Covered as long as said condition was not present prior to the effective date of the policy.

Continual coverage is available

g. Wellness coverage – Covered as plan add on

  • Vaccinations
  • Routing checkups
  • Dental care

Dental treatment is covered if caused by an accident and for certain illnesses.

h. Pregnancy – Emergency procedures covered, some breeds excluded.

i. Special coverage:   

  • Alternative therapy – acupuncture, chiropractic care, and physical therapy recommended and performed by a licensed veterinarian
  • Behavioral conditions
  • Hip dysplasia - as long as said condition was not present prior to the effective date of the policy.


The Fine Print:

  • They will not cover items deemed "preventable"
  • In most states (46 states) you must upgrade to a more expensive plan beyond "BestBenefit Level 1" to get more than $5,000 in annual coverage ($100k lifetime). A full list of what's not covered is here

The Bottom Line:

Pets Best is a good company with generally solid pet insurance coverage. It's not the best option out there, as there are several pet insurance companies that offer better plans, but Pets Best is a reputable pet insurance brand that provides above average policies for pet parents. 

Start your review for Pets Best Pet Insurance

Latest Reviews

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Kathleen Paris
I had Petsbest for 10 yrs. The monthly cost became prohibitive going from $156 per month to over $200 in one month. I had to constantly argue with them over their interpretation of vet bills and whether the doctor visits were follow ups or new conditions or continuing, whether they ere necessary. I had to raise my deductible to be able to pay the monthly bill and then argue regarding what their share of cost was. I cancelled them the month before my Toby passed away. If he had lived in still wouldn't have been able to afford them or be willing to deal with them

Hi Kathleen, we value you as a member of Pets Best since 2009. You're correct that your rates can go up each year when your policy renews. In order for us to determine the adequate premium we need to maintain our services, we analyze claims data related to pet age, breed, geographic location, and factor in general inflation. Rates do not increase due to claim history. We are showing all of your claims filed for Toby were reimbursed per your policy limits. The only claim that was closed out was the claim submitted after you had cancelled Toby's coverage. We wish you and Toby the best!
[email protected]
We are so incredibly happy and satisfied with our pet insurance. They have always answered any questions we needed answered. Our refunds are always given to us quickly. They check in on our baby when something is going on with him and always ensure the very best care. We recommend them to all of our friends with loved pets of their own. The coverage is phenomenal.

Hi Holley, we are delighted to hear we have been able to assist during difficult situations. We look forward to insuring you and your fur baby for many years to come!
Boise, Idaho
I have had my 4 y/o lab insured with Pets Best for about a year and after submitting two claims over the last year, I can honestly say they have been great! Claims have been paid quickly, without any confusion, and their online customer center is extremely easy to use. I highly recommend them to anyone searching for the best pet insurance company!

Hi Walter, we are happy to you are part of the Pets Best family and look forward to insuring you for many years to come!
j rich
Providence, Rhode Island
I am only 3 weeks into my Petsbest coverage for my 2 pets and so far, at every single turn, there seems to be either problems of incompetence with in the claims department or deliberate tactics to misinterpret vet notes.... i.e., on my clinic's legal medical records ( on clinic letterhead), my vet wrote of specific procedures. The vet basically wrote what pruderies were performed for which body parts ( dated, and again, on clinic letter head), the claims department requested more medical records because the procedure " performed" could have been at other vets. They keep asking for medical records when they already have ALL OF them FOR THE PAST 2 YEARS. I have asked them to e-mail me... Read More

Hi J, we are sorry to hear of your dissatisfaction with the claim process. Dental claims tend to be complex when there are fractures and extractions involved. In order to accurately process your claim and ensure you are receiving the most reimbursement, we may request medical records of the dental chart, depending on how long the vet clinic takes to send those in may delay the claim process. Our records show your claims for Emmett and Howie have been processed and reimbursed. We hope you have a better year.
Heather Breault
There are currently 46 complaints with the Better Business Bureau, a 92% negative, yet their given an A+ grade. It's hard to pin point what is going on other than they like to deny claims, take days to response and have a book full of excuses. They appear to be taking advantage of the hard working Americans who pay for "piece of mind" which never comes. If you read the positive reviews, you can tell they are employees or affiliates of employees......just not sure what kind of business their running but it's not what they advertise. This LLC is doing an injustice to the insurance carriers who actually care and the hard working Americans.

Hi Heather, we understand your frustration with the way your claim was processed. As explained in your policy documents, your pet was subject to the industry standard bilateral exclusion. Due to Riggs suffering from a torn knee ligament on the right side, prior to inception of the policy, it automatically excluded the left side. The good news is that the ear infection claims were eligible for reimbursement and the totals were applied towards your chosen annual deductible of $200. We are sorry to see you have cancelled your policy and wish you and Riggs the best.
Bethesda, Maryland
I had insurance for my dog for 10 years with PetsBest, but they raised the premium when he turned 10. He had been a healthy dog that had all exams and vaccinations on schedule, but they raised our premium when he was 8 yrs old from $25 to $42/month, and again at 10 yrs to $60/mo. Considering their policy paid only 80% of expenses, and only $2500 maximum per illness, we switched to Trupanion. While we paid a higher deductible, it was worth it because premiums were lower and they pay 90% expenses with unlimited coverage per illness. They paid most of our bill for liver cancer surgery and treatment which added up to close to $4000.

Hi Claire, we valued the 6 years we insured you and Bailey with the Pets Best family. We reviewed your plan and would like to go over options with you to lower your premium. We understand your concern for a more affordable premium. Keep in mind we have several different plan options to fit your needs including our unlimited coverage plans. Please call us if you would like to go over these options. You're correct that your rates can go up each year when your policy renews. In order for us to determine the adequate premium we need to maintain our services, we analyze claims data related to pet age, breed, geographic location, and factor in general inflation. We're here to help you in any way we can. 1-877-PetsBest (877-738-7237) Mon-Fri 7AM - &PM. SAT 10AM - 2PM Mountain Time.
Amy Lillard Buboltz
Avoca, Iowa
These people have given me the run around for months on all my claims. They always find a new reason not to pay. As far as I'm concerned they are running a scam on consumers.

Hi Amy, our records show all claims filed for Montana and Pancho for routine wellness services and illness services for their allergies and his spine condition were processed and reimbursed based on the policy percentage chosen of 80%. We are sorry to see you go and wish you the best.
Beth Mirsky
Lincoln, California
There are no words for how horrible they are... they delay paying claims, have in correct fax number on their claim forms, keep having to fax and refax time after time... I finally opened a claim with the DOI and voila they paid... however their VP of claims tried explaining why they delayed paying and they were all lies.. I had kept a log of every fax and every conversation I had... I call them Pets Worst... I had two giant breed dogs and unfortunately I am stuck with them for one dog.. I have pulled my second one off and even though it's costing me more money to have them separately insured, it's well worth the money... I give them no stars

Hi Beth, At Pets Best any policyholder who is not satisfied with a claim decision is encouraged go through our appeals process. When your complaints came to our attention we sent your claim for review and found that there had been an error. If you need anything further, we are always here to help in any way we can. We wish you and your dogs all the best moving forward.
Solange M.
, New Jersey
Please do not get this pet insurance. It is a scam. They can turn any accidental injury into something that doesn't qualify. So do not believe what you read when it comes to "accidents". I even appealed and had the Vet write them a letter. My appeal was still declined. I wasted a lot of time and pointless effort. I will be cancelling and going with a competitor. The made a very poor business decision on their part. Instead of keeping a potential customer for the next 15 years, they would rather decline a claim that should have been covered under "accident". I guess they are the ones that are losing money, and customers in the long run.

Hi Solange, we are sorry to hear your frustration. We have reviewed your claim and veterinarian records show the injury was actually a Luxating Patella, which is a congenital condition and subject to a 1 year waiting period. We provided the option to reduce this waiting period to 14 days by having your vet complete our Pet Health Checklist and return to us within the first 30 days of the policy, indicating the pet is free of any signs or symptoms of the 7 conditions on the checklist. This list of 7 conditions includes: Luxating Patella, Hip Dysplasia, Elbow Dysplasia, Osteochondritis Dissecans, Cruciate Ligament Injury, Portosystemic Shunt, and Cardiovascular defects. We provided this form upon sign up, and tried to reach out after sign up to urge you to complete it, but show it was never completed and returned. Given this, unfortunately this condition is subject to the waiting period of 1 year. We are currently the only pet insurance company that offers the option to reduce the waiting period on congenital and hereditary conditions. Additionally, you always reserve the right to appeal our decision. Would you like us to send you an appeal form?
Tony ToTony Dny Tony D
I had received my policy but still did not know how to file vet's bills. Shelley was extremely helpful, as have all the other people at Pet's Best I've spoken to. Sometimes, I get the same person I spoke to before and they recognize me and ask me about our little guy! NO hold times every time I've called in. You get to speak to real people.

Hi Tony, we are delighted to hear you have had a 5 star experience with our company! Please let us know the reason your review rated us with 3 stars so we can take a look into your dissatisfaction and rectify these concerns. We look forward to insuring you and your little guy for many years to come.
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