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Pets Best Pet Insurance Review

165 Customer Comments & Reviews - see all comments
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Pets Best Insurance Services, LLC is a Boise, Idaho-based pet insurance agency 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.
 
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How is Pets Best rated?

Breakdown

4.3/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 4.2 / 5 (Excellent)

Pets Best provides pet owners with a lot of latitude in selecting the right coverage for their pet and the best plan for their budgets. Its plans are quite comprehensive and comparatively low-cost.

The company offers two benefit limit choices: $5000 or unlimited. We prefer plans that offer the option of unlimited coverage, particularly when adding it doesn't drive costs sky-high. That's the case with Pets Best.

Pets Best has no age restriction; they will cover dogs and cats regardless of how old they are. The company does not exclude cruciate ligament issues so long as they occur after a 6-month waiting period. That's a significant competitive advantage for owners of dogs susceptible to that type of illness. In addition, plans include coverage for accidental dental and some dental illnesses.

Combined with the company's relatively low premiums, that make Pets Best a solid choice for pet parents seeking comprehensive, affordable protection.

Pets Best Coverage

Coverage - 4.3 / 5

Pets Best offers three levels of coverage. The Essentials plan reimburses you for the wide range of veterinary services offered by most pet insurance plans, but excludes exam fees for accidents and illnesses and rehabilitative, acupuncture, and chiropractic care. The company's Plus plan adds exam fees to the list of covered services and its Elite plan includes rehabilitative, acupuncture, and chiropractic care.

Pets Best also offers two tiers of wellness plans that can be added to any policy for an additional fee.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Within US and Canada
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 - 4 / 5

Pets Best offers two benefit cap options: $5,000 or unlimited. We like to see plans that offer, even at a minimum, significant coverage. One serious accident or illness could result in veterinary bills way in excess of the low benefit limits some other companies offer. $5000 seems a reasonable and cautious amount of insurance to carry if you want to be fully prepared to give your pet all the veterinary care he or she needs.
Benefit Limit Types
$5,000 or Unlimited

Reimbursement & Deductibles

Reimbursement - 5 / 5

Pets Best allows you to choose a reimbursement level of 70%, 80%, or 90%. Combined with the opportunity to customize a deductible, that flexibility can make pet insurance more affordable for a wider range of customers.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Pet's Best allows you the flexibility to set your deductible in increments between $50 and $1,000. That's a broader range of options than many plans provide.
Deductible Type
Annual
Minimum Deductible Offered
$50
Maximum Deductible Offered
$1,000

Pricing: How much does Pets Best cost?

Cost - 4 / 5

Pets Best pricing is quite flexible. The company allows you to choose deductibles ranging from $50 to $1000 and reimbursement levels of 70%, 80%, and 90%. There are however, only two choices of benefit limits: an annual cap of $5000 or unlimited benefits.

The company's two higher-priced plans include reimbursement for exam fees resulting from accidents or illnesses, a feature that's not often found in other plans and can wind up saving customers quite a bit in out-of-pocket costs. Overall, Pets Best provide excellent coverage for the money.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$23.31
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$8.99
Rate Details: Annual deductible: $1000, Benefits cap: $5,000, Reimbursement model: 70% of actual cost
Available Discounts: 5% Multiple Pet Discount

Enrollment & Waiting Periods

Enrollment - 3.5 / 5

Pets Best allows enrollment at any age over 7 weeks. What's more, there are no age limits for policy extensions.

The waiting period for illnesses is 14 days. There is a 3-day waiting period for accidents. Some pet insurers exclude all cruciate ligament issues, but Pets Best will cover them 6 months after the effective date of your policy.
Min Enrollment Age
7 weeks
Accident Waiting Period
3 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4 / 5

Pets Best will not raise your premium due to the number or types of claims made within a given year. The company has updated its web portal and mobile app so you can see the status of your claim as it progresses and upload documents for the claim directly from your mobile device.

If you use direct deposit, Pets Best can place your claim reimbursement directly to your bank account and so your receive quickly.

Pets Best also features a 24/7 veterinary support line for all customers.
Claim Form
Email
Fax
Online Portal
Mobile App

Company Disclaimers

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best Insurance Services, LLC (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Contact & Additional Information

Homepage URL
https://www.petsbest.com/
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
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Customer Comments

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Josh S

3/29/2019
I began using Pets Best in 2009 when I rescued my dog in anticipation of increasing medical needs as she aged. She was 3 years old at the time and Pets Best premiums and coverage seemed reasonable. In her lifetime, I've made a total of 7 claims. 2 were denied and 4 were made this February as my aging dog has had several cancerous tumors. Nonetheless, Pets Best' premiums have steadily increased over the past few years; over $200 per month in 2017, to over $400 in 2018. I continued to pay because my dog's medical needs were increasing but this month I received a notice that they would increase again to over $600. All told Pets Best has paid out less than $5,000 in my dog's lifetime and at... Read More
26 People found this helpful.
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Pamela R

2/26/2019
I would have never anticipated writing a negative review for Pets Best Insurance. When I first got my policy for my English Mastiff, the annual fee was $476.16 (2016-2017). Mines was a modest policy - $200 deductible, 80% reimbursement, and $5000 annual coverage. The first year was a rough year for my dog and I took that policy right up to the $5000 annual coverage. The service during that first year was so phenomenal that I wrote a fabulous review for Pets Best and continued the accolades by suggesting this pet insurance to anyone who would listen. The next year, the policy went up to $631.23 (2017-2018). I assumed such a large jump was due to the amount I had claimed, but was told... Read More
21 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Pamela, We understand your concern. However, 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 total claims data related to pet age, breed, geographic location, and factor in general inflation. Rates are based on nothing more than the risk your pet represents. Older pets tend to see higher rates because their odds of health issues are increasing, as well as the odds that those issues are going to be more expensive. Rates do not increase due to claim history—it’s all based on potential risk. We encourage our customers with older pets not to cancel as they are—unfortunately—entering this area of greater risk. Please keep in mind we offer several options to find a policy that will best fit your budget. Please contact us at 1-877-738-7237 if you would like to go over these options.
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.
19 People found this helpful.
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Pets B  
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.
Holly R

3/20/2019
Such a horrible company. I have never experienced such rude and inept customer service reps at any company before. I have been paying them nearly $100 a month for the last year, and unfortunately had to submit my first claim. I'm assuming they are looking for any way to deny the claim - but that would require them to process it in the first place. I keep getting emails that they have requested my dog's records, but my vet has sent them multiple times and I have forwarded them multiple times and still nothing. Finally cancelled all my policies, and did charge backs with my bank to get reimbursed. Disappointed in such a poor company! I will just put their premium amount in my pocket... Read More
17 People found this helpful.
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Savva M

9/14/2018
I have submitted several claims for my dog, after one month their website has 'processed' next to all my claims, when I opened up detailed information, it said that petsbest tried to contact my vet but were unsuccessful. So, I called my vets' department of records, and they told me no-one has ever contacted them from petsbest regarding my pet. Well, I authorized the release of information to petsbest anyway and called petsbest. They said they would contact my vet again. Two weeks passes by, I call petsbest, they tell me that all my claims are closed. Nevertheless they kept charging me money for their lack of services. Extremely unprofessional. Stay away from that company, as they will make... Read More
13 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Savva, we cant find you in our system. If you would like us to resolve your claim, please give us a call or email us with your policy number or email address on file. You can reach us at 1-877-738-7237 option 1, or by email at customercare@petsbest.com. Have a good day.
L
lj f

7/25/2018
Pets Best might be one of the pricer companies,,, you get what you pay for. (VPI paying reduced usual and customary rates) I paid 1,000 for a yr with a 5 yr old gsh.. 90% reimbursement and 250 ded,, My dog has cancer now and pets best has already paid out over 40,000 where my share is 4,000. they pay fast and havent denied many things.,, except hyperbaric chamber and ozone therapy... otherwise very fine
12 People found this helpful.
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P
Pets B  
Official Response

Support of Pets Best Pet Insurance
Hello, thank you for sharing your positive experience with Pets Best. We look forward to insuring you for many years to come!
R
RAY R

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.
12 People found this helpful.
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P
Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Ray, 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 total claims data related to pet age, breed, geographic location, and factor in general inflation. Rates are based on nothing more than the risk your pet represents. Older pets tend to see higher rates because their odds of health issues are increasing, as well as the odds that those issues are going to be more expensive. Rates do not increase due to claim history—it’s all based on potential risk. We encourage our customers with older pets not to cancel as they are—unfortunately—entering this area of greater risk. Please keep in mind we offer several options to find a policy that will best fit your budget. Please contact us at 1-877-738-7237 if you would like to go over these options.
Shannon B

10/15/2018
I'm very pleased with PetsBest! I recently purchased a policy for my new rescue dog one week after adopting him. I took the Best Wellness option because a wellness benefit is important to me, and this one has a good return on premium if you're going to do all the things you should for your pet anyway. My first two wellness claims were approved very quickly, and I received reimbursement in my bank account within 3 days. My third claim was initially intended to be another wellness claim, for a teeth cleaning, but then my dog unexpectedly had a cracked tooth that had to be removed. I was thrilled when PetsBest actually covered a portion of the surgery and medications, subject to my... Read More
11 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Shannon, thank you for being part of Pets Best!
K
karen m

7/20/2018
Our animals have been covered thru Pet's Best insurance for over 13 years. My complaint is in the Gouging of Price increases EVERY year...it's almost as if you are being punished for your pets growing old. All of our animals are rescues, we even rescued a senior dog a few years ago, despite his eccessively large Pet's Best Insurance rate. The customer service at Pet's Best is fantastic, everyone that answers customer calls is lovely. BUT you cannot continue to increase premiums yearly at such a drastic rate. This year our premiums have gone up $800 dollars on 2 pets..last year , we removed one pet from Pet's Best because we found better coverage, less rate hikes at Healthy Paws. I... Read More
11 People found this helpful.
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P
Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Karen, 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 total claims data related to pet age, breed, geographic location, and factor in general inflation. Rates are based on nothing more than the risk your pet represents. Older pets tend to see higher rates because their odds of health issues are increasing, as well as the odds that those issues are going to be more expensive. Rates do not increase due to claim history—it’s all based on potential risk. We encourage our customers with older pets not to cancel as they are—unfortunately—entering this area of greater risk. Please keep in mind we offer several options to find a policy that will best fit your budget. Please contact us at 1-877-738-7237 if you would like to go over these options.
D
Debbie C

4/12/2019
I just received a denial of appeal from Pet's Best due to what they state is a pre-existing condition regarding a slightly elevated liver panel number. My vet completely disagrees and provided records all the way back to 2013 showing no evidence of any liver issues. We had two very high liver panel tests (done on the same day) in February, extremely worrying. Our vet ordered an ultrasound which showed a completely normal liver and all other organs around it looking perfectly healthy. A re-test on March 7 showed numbers all back down to below where they were for the very first test and my vet said the problem is clearly environmental. I sent the March 7 test results to Pet's Best, got a... Read More
9 People found this helpful.
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