Pets Best Pet Insurance Review

Rating: 7.8 / 10 (Very good)
40 Customer 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?

Breakdown

9/10
Coverage
6/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
8/10
Claims and Service
7/10
Pricing
7/10
Enrollment

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
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
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
Unlimited

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
70%
Maximum Percent Reimbursement
90%

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
Annual
Minimum Deductible Offered
$50
Maximum Deductible Offered
$1,000

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

Dogs
$16.52
Cats
$30.06
Rate Details: Annual Deductible: $50, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: 5% Multiple Policy Discount

Enrollment & Waiting Periouds

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.
Advertised Response Time
14 days
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
1970

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

Latest Pets Best Reviews

S
Sheila W
Hudson, Florida

2/9/2018
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.


Warren C

1/29/2018
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.


J
Judy
Beaverton, Oregon

12/18/2017
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.


Michael S
Chandler, Arizona

12/7/2017
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


D
Dennis
Seattle, Washington

10/9/2017
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


Richard J
Miami, Florida

8/27/2017
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!


J
James S
San Diego, California

8/13/2017
I am not surprised to see all the one star ratings. I have been with them a number of years. But when I went to add a new dog there was a problem - not with the dog, but with Pets Best. I sent a formal complaint to the Department of Insurance. We deliver 10-15 puppies per year. We will not be recommending this company. The customer service and policies are terrible.


H
harvey s
Powell, Ohio

8/8/2017
After reading the reviews of others who have had huge price increases after fiuling a claim I have decided that Pets Best is not a company with which I want to do business. Pet insurance companies seem to be able to get away with every one of the most objectionable practices that have led to regulation of the human health insurance industry.


R
RAY R
North Hollywood, California

7/11/2017
Believe it or not it costs about the same amount for my each of my college age children's insurance with significantly better coverage than for my dog who is perfectly healthy. I have had PetsBest for my 10 year old small mixed dog since 2012 with a maximum $5000 coverage. My premiums have tripled in 5 years. I have submitted one claim in the five years for $730 ish and I have a $500 deductible so I have only gotten roughly $230 from the company. The claims process was easy, but this year they want $1200. It seems to me that they are increasing the price so much each year to discourage people from keeping their aging dogs on the plan. I dol not recommend this plan.


Claud M
Austin, Texas

6/21/2017
Prices have doubled in two years... Plus $100 deductible,plus copayment. I mean. I was paying $100 this year and I just heard from them and they increased it to $150....Based on number of claims? Really? I rather have a savings account for my Dog. If they do not offer someting better and reasonable, I am canceling today


A
Armen
Edison, New Jersey

5/11/2017
So here is an update to my review of Pets Best and there business practices. My mastiff who tore her ACL had the insurance increased from $46 to $76 in a year and Pets best tries to convince people that they don't increase insurance based on any recent surgeries but to age/geographics blah blah blah. Well my mastiff had to go back for surgery 8 months later due to the vet who performed an incorrect procedure on her. (thats another story) Pets best covered 80 percent of cost which is what insurance companies should do considering I pay almost 77 a month for her insurance, decided to increase my insurance to $126 dollars starting in June. I will now pay more money for my dog insurance then... Read More


A
Andrea
Elizabeth, Colorado

5/10/2017
My second response to Isis G who has been giving the "official response" for Pets Best. A third reason NOT TO PURCHASE pet insurance. Isis G reiterates ". We have offered the appeal option. At this time please contact us at 1-877-738-7237 with further questions or concerns. That name along should make one be cautious. Thus I did. Once they get your money you are not allowed to talk to anyone but the nice sweet voices who answer the phone and in all probability get paid far less than the people in the claims department who you are NOT ALLOWED to talk with, even when Isis G responds to your review posted on this site. I am sent an appeal form in PDF format so one can not copy... Read More


A
Andrea
Elizabeth, Colorado

5/10/2017
I want to reply to PetsBest response of my review. Specifically their statement: " A diagnosis of a toxin is covered by our accident policies as long as there is a confirmed substance that caused the toxicity. However, medical records indicated the vet was not sure what was causing the symptoms. During Tiff's 3 day stay at the ER, the doctors informed me that statistically 60%-70% of the time a dog comes in with her symptoms they will not be able to determine the toxin, just treat it. Just another way the insurance industry can write a generic response to its customer when denying a claim, after all the odds are in their favor by 60-70% of the time since veterinarians can't... Read More


A
Andrea
Elizabeth, Colorado

5/10/2017
Before you pay for any insurance policy, you may want to consider putting the premium and yearly deductible in a personal savings account for your pet to use when needed. Another important consideration is to find a pet insurance company that has no waiting period (or the shortest one you can find). PetsBest takes your premium and makes you wait 14 days for any illness and 3 days for accident. Unfortunately our 6 month old came down hurt/ill on the 8th day of purchasing the policy. Diagnosis was toxins which one may think was an accident as both the family vet a ER ruled out congenital problems with the liver and focused on household poisons. I had no problem with PetsBest denying... Read More


L
Lee C
Slidell, Louisiana

5/1/2017
I’ve been with this company since 2012 and over the past 3 years my premiums have doubled. I have two cats, one is 5 and is healthy, the other is 13 and contracted diabetes 2 years ago requiring insulin. PetsBest has been very good with reimbursements. However based on the level of increases that have taken place over the past two years, I’m guessing that my premiums will negate any benefits on the monthly insulin prescription within two years. The level of increases for my 13 year old is theoretically far beyond that of my 5 year old. I’m very disappointed with PetsBest because I’d felt secure and fortunate to have had the fore-sight to have this policy for my cat. Unfortunately, my cat... Read More


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Abby
El Dorado Hills, California

4/3/2017
I have used this company for a few years now and not only did the premiums practically double, now they are being cheap on payback. Even if you had one large bill, they still break it down and pay you back what they see fit.


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Nora C
San Rafael, California

3/31/2017
Buyer beware! My premium went from 36.00 month to over 66.00 month in just 3 years! Never saw that coming.


Diane O
Shelter Island, New York

3/29/2017
Not sure how to rate this-- I had coverage for one year with this company. My dog had a skin infection while covered. Initially, they covered his visits and prescriptions and I was very pleased. My vet prescribed a special temporary prescription diet--they refused to pay because the plan excludes food. The vet said he needed weekly medicated baths until the infection cleared. These baths were performed at the vet's office with a prescription medication. They refused to pay, because they don't cover "grooming"..There was no discussion...even though this needed to be done (if it wasn't, they would have paid out much more for additional meds and visits--not smart on their part). Of course... Read More


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Sean W
Austin, Texas

3/28/2017
Get everything in writing ASAP. I got a policy and then within the first month I told them I need them to get records from my dog's veterinary office's so they can tell me what is my dog's pre-existing illnesses because their brochure does not address my dog specially. Their sarcastic customer service kept referring me to the brochure with a customer service rep by the name of Laura sarcastically told me I need to "gamble". I explained that if they would tell me what they deem pre-existed for my dog while the policy is new I would be able to choose if I want to keep the policy. But if they wait until I file a claim and then tell me the illness is an allege pre-existing illness, had I... Read More


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Jasna
Los Angeles, California

3/17/2017
One year into this plan, very first claim filed, to find out that the medicated bath (part of the necessary treatment for my dog's skin condition) performed at the vet's office is not covered, because it's under "grooming". I am rather disappointed with this policy, and now I'm not even sure if I want to continue with this insurance or not.


C
Carl
Atlanta, Georgia

3/11/2017
Definitely not the best option out there. I found a health insurance provider that covers the same as pets best, plus they had the Wellness option included in the same amount per month that I was paying for my pets best policy without the Wellness option.


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Kathleen P
Hayden, Idaho

2/5/2017
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


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Holleyc@hotmail.com
Hayward, California

2/4/2017
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.


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Walter
Boise, Idaho

1/18/2017
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!


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j r
Providence, Rhode Island

1/10/2017
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