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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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S
Shawana

11/16/2019
Don't waste your time utilizing their services. Save your money in an account and pay for your pets bills as they arise. The managers are never available to address issues. The customer service representatives are not knowledgeable. To top it off the customer service is trash. Take your money some where else. Each customer has a different experience but if you don't want any surprises when you try to get reimbursed choose another company.
3 People found this helpful.
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P
Pets B  
Official Response

Support of Pets Best Pet Insurance
Thank you for your feedback.
marybalexander

9/23/2019
Poor service. I’ve been waiting 2 months for a claim. The first time waited a month for them to tell me on the 30th day they need more information. Then told me the clock starts ticking again, could take 30 more days. This is effing ridiculous. Run, don’t get insurance for. Them.
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Thank you for your feedback.
S
sdepaolantonio

3/19/2019
This was the first time I had to file a claim with the insurance and one of their "selling point" were claims are processed within usually 3-5 days and multiple sites say 3-5 days. I contacted them to find out how much longer my claim, after 6 days, and I was informed, it has on been 6 days and the process can take up to 10 days. If the process can take up to 10 days, then they should be stating that instead of misleading people to believe its on 3-5 days.
3 People found this helpful.
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Deborah M

2/17/2019
I've been with Best's Best since November 28th of 2018. I switched from Healthy Paws because of the wellness and many other reasons, especially claims. I had to begin insurance on my 3 1/2-year-old Ragdoll cat and a 7-week-old kitten. They have been nothing short of exemplary. I submitted a claim and had the letter to tell me the deductible (100.00) was covered now, and they also sent a check for the balance. I got smart, duh, and did a direct deposit with them for the kitten's neutering and microchipping: cost was 220.00 and the insurance paid 190.00 within 3 days into my checking account. They also have a 24-hour Vet on duty to answer any questions. I just can't say anything bad about... Read More
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Thank you for your review!
Josel C

2/15/2019
I was a Pets Best customer for 7 months. Unfortunately, my 2-year-old rescue passed away unexpectedly for unknown reasons on January 2nd, 2019. The customer Service given during this horrible period of our lives was EXCELLENT! The claims were handled quickly and accurately. The compassion and professionalism shown by the employees was OUTSTANDING. They even sent a condolence card and credited me for the unused portion of the premium paid without me even having to ask. These folks have a customer for life.
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Thank you for being part of Pets Best!
R
Rita S

1/4/2019
Highly recommend! Easy to file a claim and super fast processing! I filed claims on a Friday and they were processed by Monday morning.
3 People found this helpful.
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P
Pets B  
Official Response

Support of Pets Best Pet Insurance
Thank you for being a valued Pets Best customer.
S
Siobhan S

10/19/2018
I have never had a claim approved by Pet's Best. After a recent trip to the emergency vet (my dog was lethargic, throwing up, groaning in pain, and peeing blood), Pet's Best denied my claim. Be careful before signing up with them, it does not appear they cover much at all. Spend a little extra and go with a company that actually covers a full range of injuries and illnesses.
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Siobhan, you enrolled Philly in an accident only policy designed to cover only accidents. However, the claim filed was not due to an accident but rather an illness. We would be happy to go over options on more comprehensive coverage for your pet if you would like to protect her from the unexpected, future injury and illness. We are sorry to see you go and wish you the best.
T
Terryll R

10/3/2018
I thought I was getting a good deal. In signed up for the Best Wellness as well, and found out they only gave me the Essental. Upgrade to Best went smoothly. However, then when I put in a claim for office visit, shots and wellness exam, they denied my claim saying I cancelled my policy and it was an undiagnosed illness. My cat wasn't even sick. She went in for her anual checkup. Had dirty ears they cleaned and medicated. I planned on getting her teeth cleaned which is why I went with the Best, but I guess I'll cancel that appointment too until I find better insurance. They are quick to respond when you are giving them money, but ignore you when you contact them THREE times to appeal... Read More
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Terryll, we are sorry to hear of your dissatisfaction. Our records show your claim is currently in review. We will contact you once the claim is processed. In the meant time, please contact us with any other questions. Have a good day.
Dwayne K

9/16/2018
I've had PetsBest for years. My Dog got sick in March and spent time in the ICU. I submitted a claim in March, they closed it with no explaination. I resubmited in June, closed with no explanation. Submitted again in August, closed with no explaination. Submitted again in Suptemeber, was denied because it was outside the 1800 day submission period. These people border on crimnial.
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Dwayne, 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.
Thomas S

8/19/2018
Best Pets, I have been lied to by the staff. I signed up and paid with my credit card and was advised to take a plan with full coverage. I advised by the Best Pests (not a type O) rep that if I wanted to remove coverage on my plan later on that I could, however if I took less coverage and wanted add coverage to my plan layer on I could not. I listened to rep’s advise and was lied to. It does not make sense for me to pay $16 dollars a month for coverage that I will not use. I was told I had to wait for renewal of the plan next year to drop this coverage. Wrong I do not have to wait. I asked the rep to have a manager call me. The Best Pest(again not a type O) rep told me that it would... Read More
3 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance
Hi Thomas, we understand your concern. Our records show you self enrolled using our website and did not discuss coverage with an agent prior to enrolling. Wellness is an endorsement to the policy, and as such can only be added or removed once a year when the policy renews. Your regular policy for injury and illness can be downgraded at any time but will require a new policy should you choose to upgrade. We are sorry to see you go and wish you the best!
Our Partner
  • Save up to 90% off eligible vet bills
  • Accidents, illness & routine care
  • Easy online claims submissions
  • Wide range of plans & coverage options for your furry friend
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