Pets Best Review: Putting Your Pets First

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Two golden labs in bedFido just ran out the door onto the road and the worst has just happened. He got hit by a car. You immediately rush him to the vet for emergency care, thankfully he’ll live. After surgery and some casts for his broken bones, he will heal in a few months. Although he will heal, your bank account is hurting bad and may not recover for a lot longer. Thousands of dollars in vet bills are causing struggles and you are beating yourself up about not signing up for pet insurance sooner.

Don’t let this be you. Accidents happen, we all know this. So why do we get health insurance for ourselves but neglect to purchase it for our pets? They are our family too and their bills can rack up just as easily. Protect your pet and your bank account with pet insurance. We’re going to look into Pets Best pet health insurance, our #2 pick for Best Dog Insurance, and go over what they do and don’t cover in addition to pros, cons, and more to help you see if they’re a good choice for you.Pets Best logo

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PetsBest Review

PetsBest Review
Policy Coverage 4.8
Customer Service & Reputation 4.0
Timeliness of Claim Payment 4.5
Price of Policy 4.8


  • No lifetime limits on any plan
  • Great pricing for their Essential Plan (only covers emergency costs – not exam fees, rehabs or specialty care)
  • A+ BBB rating and great response rate on Yelp
  • Multiple forms of customer support: live chat, phone, email, FAQ
  • Claim payment is typically made in less than 5 days (electronic claim filing, and direct deposit options)
  • 30-day money back guarantee
  • 5% multi-pet discount
  • No age limits
  • Pregnancy is covered for most breeds and euthanasia is covered (if for humane reasons)


  • 6-month waiting period for CCL (ACL) injuries
  • 14-day waiting period for Illness and Routine Care (if purchased) and three days for Accident
  • $2 transaction fee (waived if pay annually)
  • In recent years, Pets Best has changed its insurance carrier several times
  • Behavioral and alternative/holistic therapies are not covered

What Is And Isn’t Covered by Pets Best?

Covered by Pets BestNot Covered by Pets Best
AccidentsPre-existing conditions
IllnessesElective and preventative procedures
Cancer treatmentsParasites
Hereditary and congenital conditionsNon-veterinary expenses, food, special diets, vitamins and supplements
Emergency care, hospitalization and surgeryHerbal, holistic and experimental therapies and medications
Prescription medications
Ongoing and chronic conditions
Older pets
Behavioral conditions
Dental coverage
Prosthetic devices and wheelchairs
Coverage while traveling
Exam fees (optional)
Acupuncture and chiropractic treatments (optional
Physical rehabilitation (optional)


We have gathered some sample prices from Pets Best insurance for their accident and illness coverage plan. You have the option to choose your deductible, either $50, $100, $200, $500 or $1,000. You can choose your reimbursement level as well: 70%, 80% or 90%. And for annual coverage limit you can choose $5,000,  $10,000 or unlimited. Below are the prices for random breeds in various locations with different limitations. Quotes are from April 2017.

BreedLabrador RetrieverYorkshire TerrierGolden RetrieverMixed Breed Cat
Age4 Months4 Years2 Years2 Years
LocationMiami (33114)New York City (10006)San Francisco (94107)Chicago (60615)
Reimbursement Level80%80%80%90%
Annual MaximumUnlimitedUnlimitedUnlimitedUnlimited
Price Per Month$40.64$62.43$46.41$11.73

Coupon Code

Our readers have access to an exclusive PetsBest discount of 5% off BestBenefit plans for the first year! Just use this link to get started (Eligible in all states except AK, FL, HI and TN and does not apply to accident only plan or wellness rider). You can also visit our dedicated Pets Best promotions page to discuss current offers.

Essential Option Plan

The Essential Option has an annual limit of $5,000. It covers emergencies only so things like broken bones or even cancer are covered. It does not cover any routine care, vet visit or exam fees, rehab care, acupuncture or chiropractic treatments.

Routine Care Coverage

Pets Best offers two routine care plans shown below in the table. Included are the amounts that Pets Best will pay up to for that specific routine care.

Price Per Month$16 ($14 in Washington)$26 ($30 in Washington)
Spay/Neuter - Teeth Cleaning$0$150
Flea/Tick Prevention$50$65
Heartworm Prevention$30$30
Wellness Exam$50$50
Heartworm Test of FELV Screen$25$30
Blood, Fecal, Parasite Exam$50$70
Urinalysis or ERD$15$25
Total Annual Benefits$305$535

Accident Only Plan

The Accident Only plan has a $10,000 annual limit, a $250 deductible and reimbursement rate of 90%. It covers accidents only (as the title suggests) so things like broken bones are covered. It does not cover any illnesses, routine care, acupuncture or chiropractic treatment. This plan has a flat rate of $9/month for dogs and $6/month for cats.

What’s Covered?

  • Trauma
  • Poisoning
  • Bite (animal, insect, snake)
  • Hit by car or moving vehicle
  • Foreign body ingestion requiring surgical intervention
  • Bone fracture
  • Laceration, cut, abrasion
  • Wound
  • Torn nail
  • Medical problems directly attributable to accidental injury

Note: ACL injuries and hip dysplasia are not covered in this plan.

Customer Reviews

Positive Pets Best Reviews

In the several years I have had my dog insured with Pets Best I haven’t had any problems.  My vet said they have found them easy to deal with and pay fast.  I insured my rescue years ago and now she has problems.  Pets Best staff is friendly and answers the phone promptly.  They have paid claims quickly and fairly.  Their rates have gone up dramatically, but they still are fairly priced compared to others. I just don’t get all the problems people have.  Maybe my good experience comes from insuring my dog when she was young and her problems didn’t start until she got older.  That wouldn’t seem to account for so many unhappy people though. – Joyce M., Yelp 10/1/2016

I am in my second year with Pets Best and am satisfied with their coverage. I have not had to use the policies yet (I have 6 dogs insured with them). If potential customers would actually read the policy documents, all waiting periods and other disclaimers are very clear in the documents. Prices did increase at my first renewal, but it was reasonable as my dogs age. – James W., BBB 5/13/2015

Negative Pets Best Reviews

My puppy was diagnosed with a patella injury on 2/24/17. The insurance company is refusing to pay on the claims relating to that because one time a couple weeks prior I called my day camp provider (attached to the vet) after a day of puppy day camp because he was mildly limping to ask if he had been injured that day. They said he hadn’t. The limping was gone later that evening and not observed at day camp or home again. The vet said that the limping incident was clearly unrelated to the patella injury. My claims are being denied because the insurance company is claiming pre-existing condition even though the vet says these 2 things have no relation. I am currently undergoing the appeals process. – Candice M., Yelp 3/17/2017

ABSOLUTE SCAM! STAY AS FAR AWAY AS POSSIBLE! Found out my Yorkie had Kidney Failure and the only piece of positive news was that I purchased pet insurance about a half a year earlier. After paying out of pocket for all treatments to save her life I find out all claims are denied because I took her to the vet a few months before purchasing the policy when she hurt her ankle!! THAT IS NOT A PRE-EXISTING CONDITION!! What’s even a bigger SCAM is why did they let me sign up and pay monthly premiums while knowing that they would DENY all future claims?? Furthermore, they kept trying to charge me premiums after finding out my dog had a TERMINAL DISEASE! UNETHICAL LYING CROOKS! I found out today that my dog now has stage 4 kidney failure and needs to go to the ER and be hospitalized at a rate of $1,800 for 24 hours.. if only I was smart and had purchased pet insurance ahead of time *sarcasm* – Jack, BBB 12/2/2016

Waiting Periods

PetsBest has a 6-month waiting period for Cruciate Ligament Injuries (ACL) and a 14-day waiting period for Luxating Patellas, Portosystemic Shunts, Elbow Dysplasia, Hip Dysplasia, Osteochondritis Dissecans and Cardiovascular Defects.

To know more about ACL injuries in dogs, checkout this video.

What Stands Out for Pets Best Insurance?

Overall, the main things that stand out are their low prices. They have the lowest prices when it comes to pet insurance. As always, be sure to run your own specific quotes, but from what we found, they were always among the lowest. They have waiting periods like most pet insurance companies and for the most part they aren’t too long. Although if your dog does suffer an ACL injury there is a 6-month waiting period, which is longer than we’d like it to be but at least they cover it. They offer great coverage and have really stepped it up the past couple years. If you’re interested in how Pets Best Insurance stacks up against other pet insurance carriers, check out our Dog Insurance Reviews page to see the results.

What features do you like or dislike about PetsBest Health Insurance?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

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11 Comments on "Pets Best Review: Putting Your Pets First"

newest oldest most voted
Pati Maier
I’m surprised by your “Pro” comment that Pets Best has a great response rate on Yelp. I just looked, and they have only two stars. The negative comments are startling.
lacee nordstrom
Pets Best does not cover what you’ll want and need! CHOOSE ANOTHER INSURANCE WHILE YOU STILL CAN!! I would highly recommend selecting an insurance that DOES cover the most common injury for dogs, the ACL tear, aka the Cruciate Ligament Injury. They do not cover it AT ALL, there is no “grace period” is it NOT covered EVER, nor are any medications relating to the injury. Just paid $4,500 for the TPLO surgery even though we’ve been paying for this insurance for a few months. Our fault for not realizing this but I hope someone can benefit from reading this!
anonymous user
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 that the refund will be prorated. But i was automatically charged and didn’t use the service! I mentioned it to her but all i got was “you can contact your bank or lawyer regarding this”. This is so rude!! I am writing this hoping the person managing the company knows, values customer experience and relationship by providing just and clear communication to the user. I dont want anyone else to go through the same issue!
Anne Clarkin
I have had Pet’s Best since my dog was a puppy. She is now 11 years old. I have only filed 2 claims in 11 years , which were paid, but the premiums have gone up and up. This year the yearly premium increased from $631 to over $900, and that is after I raised the deductible to $1000. They say that this is because of increased vet costs but the policy increases every year. I am cancelling the policy and recommend you don’t invest in this insurance thinking that your pet will be covered in old age when you will really need it.
edgar ortega
I canceled my dog coverage with them they refused to cover my dog accident last month claiming the I had wait a year before I can start using their service after I been told different eleven months ago when I first sing in for the coverage they told me to take my dog to get a physical exam by a vet in order to get covered and I don’t have to wait the year and they claim that I never send any info from my physical.
I wish there was more reviews for this insurance.

I just chatted online with this company for over a hour and got my zillion questions answered. Even better I have it all in writing. They even offered me a better deal on their site then what I found. In the New England area Elite Plan Unlimited coverage, 500 deductible, 80% reimbursement $329.34 for a year. They also include vet visits. You can go to this link( and on the right hand side they have a sample of the policy.

It is so hard to choose because once you choose a company you are locked in for the life of your pet because of the pre existing clause.

j rich
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 procedures 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. Really? Even if it was on my vet clinic’s letterhead?
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 all the medical records they have on file so I can e-,mail what they sent me back to them when they ask for records again.
I understand that people with negative reviews tend to write reviews more often than people with positive reviews. I also understand that not every single employee is perfectly trained and competant but.. let me provide this piece of information which I think illustrates how sophomoric their system is.
As a rule, there is only one policy # for a policy holder ( i.e. pet guardian). I have 2 pets. They both have the same policy #. All e-mails I have received only show that one policy # without the pet’s name. When I am asked to call the company for more medical records, I am asked by the representatives which pet I am calling about, my response is ” I don’t know, you’ll have to tell me as your e-mail does not specify.”

It’s 2017. There is no excuse for this kind of systemic confusion… unless they want to purposely confuse the policy holder and run him ragged.

Let’s put it this way: Should your whole family have the same social security #? the same drivers license # even if there is more than one driver? etc…

Im addition, no e-mails are ever signed so one never knows if the person writing back is the same person one spoke with on the phone/communicated via e-mail or someone else who just saw that an e-mail need to be answered and did as such, perhaps not knowing about the entire situation.

I’ve had Pets Best for my min pin for about 3 years now. Luckily, though, the premium has remained pretty low and I have never had to make a claim until this past year. The claim process for the $200 reimbursement was pretty good, and I was happy with their service…until.. I received the renewal notice recently.

The premium has doubled from about $600/year to over $1,200!!! No real explanations are given, besides that “rate adjustments were not based on (my) claims filing history.” That’s just about the biggest BS I have ever heard. So, the premium stays at around $600 all this time, and I make a minor claim, and my premium all of a sudden doubles? I am SO switching to another company.

Sarah Y
I used to have Pets Best for all my pets. They got a new underwriter two or three years ago and when it came time for renewal, the premiums on two of my seniors went up over 100% each. They claimed it was due to regional, veterinary fees going up. No way. But yet my younger dogs premiums only went up about 15%. We were with them for a few years and of course now my dogs have pre-existing conditions. You feel trapped. If you look online you will find others who had the exact same thing happen to them. I immediately took my younger pet off the policy and moved them PetPlan. I got two new pets this year and didn’t look back. They are also with PetPlan.

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