Pets Best Insurance Reviews: Customer Service, Wellness Plan, vs Healthy Paws, vs Trupanion, How To Cancel, Referral Code, And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Two golden labs in bed (caption: Pets Best Review)

Pets Best is consistently among the least expensive pet insurance providers when we run our quotes. But does paying less mean you’re getting the same coverage you would with a more expensive provider? Our experts dig in and find out.

Visit Pets Best’s Website

Pets Best Overall Rating


Our pet insurance experts read through each pet insurance companies’ policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with the pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Pros & Cons Comparison Table

No lifetime limits on any plan$2 transaction fee (waived if pay annually or live in MD or AK)
Great pricing, consistently among the least expensive when we ran quotesAlternative/holistic therapies are not covered
Discounts available for multi-pets and militaryAverage claim processing is longer than competitors
Multiple forms of customer support
Electronic claim filing and direct deposit options
30-day money-back guarantee
No upper age limits (pets must be 7 weeks or older)
Your pet is covered when they travel with you in the U.S., Canada, and Puerto Rico
Optional wellness plan

Key Features

  • Underwriter: American Pet Insurance Company
    • A.M. Best rating (a measure of financial stability): Unrated
  • No exam required at enrollment
  • Bilateral exclusions (a condition or disease that affects both sides of the body): includes, but not limited to, luxating patellas, cruciate ligament events (CCL/ACL), glaucoma, entropion, ectropion, hip dysplasia, elbow dysplasia, cataracts, cherry eye, and osteochondritis dissecans
  • Claims process:
    • Must submit claims within 180 days of the date of service
    • Submit claims via customer’s online account, app, mail, email, or fax
    • Claim processing currently averages 25-40 days, and direct deposit and check are both options
    • Option to have Pets Best pay vets directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement (not available everywhere)
  • Can transfer ownership of a pet, and coverage will continue if the new owner contacts the company within 30 days
  • Progressive and Farmers Insurance sell Pets Best
  • Offers pre-approval of estimates/procedures in advance of treatment
  • Covers curable pre-existing conditions they are healed or are curable and require no further treatment (e.g., broken legs, kennel cough, etc.)

Customer Service Options & Hours

  • Phone
    • Monday – Friday: 6am to 7pm MST
    • Saturday: 6am – 2pm MST
    • Sunday: Closed
  • Email and live chat
  • 24/7 Pet Helpline allows you to speak with a vet expert day or night about your pet’s health or behavioral concerns
  • FAQ
  • Mail
  • Fax

Waiting Periods

Pet's Best Waiting Periods

Pets Best will reduce or waive waiting periods, according to its policy:

Section 2, C5: The waiting periods may be reduced or waived for coverage acquired through pre-approved channels where the health of your Pet is certified by a participating veterinarian prior to coverage being purchased. Please refer to your Declaration Page for your Pet’s specific waiting period.

  • Illnesses: 14 days
  • Accidents: 3 days
  • Cruciate Ligament: 6 months
  • Hip Dysplasia: 14 days
  • Wellness: 1 day

What Does Pets Best Cover?

The details below are for Pets Best’s accident and illness policy. Pets Best also offers an accident-only plan and routine care coverage, which we discuss in more detail below.

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please review your policy carefully.

ConditionCovered By Pets Best
Behavioral Therapies
Alternative/Holistic Therapies
Exam FeesExtra Fee
Wellness CareExtra Fee

Accident Only Plan

Veterinarian Performing Surgery

Pets Best offers an Accident Only plan with a $10,000 annual payout limit, $250 deductible, and 90% reimbursement. It only covers accidents (as its name suggests) so things like broken bones are covered.

It doesn’t 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
  • 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.

Routine Care Coverage

Pets Best offers two wellness plans shown below in the table. Included are the maximum amounts that Pets Best will pay each year for that specific routine care per year.

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

Pricing Quotes

We’ve gathered some sample prices from Pets Best insurance for its accident and illness coverage plan. You can choose your deductible, annual payout, and reimbursement amount from the options listed in the table below.

Deductible OptionsPayout OptionsReimbursement Options

The cost of each policy is unique to your pet and depends on many variables, including your pet’s age, breed, location, health conditions, and more. Below are sample prices for random breeds in various locations with different limitations for Pets Best’s Plus plan. Quotes are from December 2021.

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 Payout$5,000Unlimited$5,000Unlimited
Price Per Month$37.09$62.67$52.02$11.21

You can get personalized price quotes for your pet(s) from several top-ranked companies when you fill out just one short form. Also, visit our pet insurance quotes page to see how the cost of Pets Best stacks up against the competition.


Pets Best offers the following discounts:

  • 5% off for multiple pets 
  • 5% off for military members and their families

No promo code is needed. Use this link to take advantage of the best possible price. You can also visit our dedicated Pets Best promotions page to learn more

How Does The Claim & Reimbursement Process Work?

Pets Best uses a “copay then deductible” reimbursement method. This is calculated in the following way:

  • (Eligible vet expenses x Reimbursement percentage) – Remaining annual deductible = Reimbursement amount

Reimbursement Story

Here’s a reimbursement story to help you understand how Pets Best processes claims.

The Miniature Pinscher
  • Dog: Kingston, 8-year-old Miniature Pinscher
  • Diagnosis: Foreign Body Ingestion

My poor little dog was vomiting, not eating and I went to the animal hospital and he needed surgery. I cannot thank Pets Best enough for their commitment to keep our precious pet alive! After reviewing my case, which only took a couple of days, I got reimbursed and they wired the money into my checking account. I tell everybody who shares with me they have a dog to sign up with Pets Best, I can’t thank Pets Best enough! – Kingston’s parent

  • Treatment Cost: $2,824.62
  • Pets Best Reimbursed: $2,606.37
  • Final Cost For Pet Parents: $218.25

Most Common Claims Submitted To Pets Best

  • Cancer: $4,137 for dogs and $3,282 for cats
  • Stomach foreign object: $3,262 for dogs and $2,955 for cats
  • Diabetes: $2,892 for dogs and $1,634 for cats
  • Broken bone: $2,371 for dogs and $2,257 for cats

Frequently Asked Questions

Here are some frequently asked questions regarding Pets Best pet insurance from our readers.

How To Cancel Pets Best Insurance?

Pets Best has a pretty straightforward cancellation policy. Simply fill out this online form, and Pets Best will cancel your policy the day it receives your notice.

If you’d like a replacement for your Pets Best insurance policy, take a look at our pet insurance reviews to see which pet insurance companies we recommend.

Pets Best vs Other Companies

Interested in seeing how Pets Best stacks up against other popular pet insurance companies? We’ve written comparison articles for you to see how Pets Best and other leading pet insurance companies compare in coverage, customer service and reputation, claim processing, plan customization, and price.

Our Final Verdict On Pets Best

Visit Pets Best’s Website

We recommend Pets Best for its comprehensive coverage, customizable plans, and extremely competitive pricing. This company also offers an optional wellness plan. However, its underwriter is unrated by A.M. Best, which we consider a higher risk factor vs those who are rated. Further, Pets Best has received an influx of negative customer feedback regarding their lengthy claim repayment timeline in recent months.

If you’re interested in how Pets Best stacks up against other pet insurance carriers, check out our pet insurance reviews. You can also look at our best pet insurance article to see if Pets Best wins any of our coveted awards. Pets Best excels at many things and may be a great fit for you and your pet’s unique needs.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, 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 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.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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