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.

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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.

Pets Best Overall Rating

Pets Best Review

Peets Best logo

Product Name: Pets Best Insurance

Product Description: Pets Best offers pet insurance for dogs and cats.


Pets Best is a popular pet insurance pick among pet parents due to their lower quotes and extensive coverage. If your budget is tight, you can purchase an accident-only plan from Pets Best. Or, if you find routine expenses to be a concern for you, you may be interested in adding a wellness plan to your insurance policy. There are many ways to customize your plan to fit your needs and budget.

Our pet insurance experts read through each pet insurance company’s 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 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.

Overall Score



  • No lifetime limits on any plan
  • Great pricing, consistently among the least expensive when we ran quotes
  • Discounts available for multi-pets and military
  • 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


  • $2 transaction fee (waived if pay annually or live in MD or AK)
  • Alternative/holistic therapies are not covered
  • Average claim processing is longer than competitors
  • Not enrolling new policies in CA currently

Key Features

  • Underwriters: American Pet Insurance Company & Independence American Insurance Company (California only)
    • A.M. Best rating (a measure of financial stability): Unrated & A-
  • No exam is 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 7-14 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
  • 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

What Are Pets Best’s Waiting Periods*?

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

*Waiting periods for Maine are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

What Does Pets Best Cover?

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

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 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

What’s Pets Best’s Accident Only Plan?

Pets Best is one of the few pet insurance companies that offer an Accident Only plan. It includes 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 per month for dogs and $6 per month for cats. There is a three-day waiting period for Pets Best’s Accident Only plan before coverage kicks in.

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: Torn ligaments are not covered in this plan.

Does Pets Best Offer Wellness Plans?

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

How Is Pets Best’s Pricing Determined?

Pets Best has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually or live in AK or MD). Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below.

Deductible OptionsPayout OptionsReimbursement Options

Pricing is also based on your pet’s details (age, breed, location, pre-existing conditions, etc.). We recommend obtaining quotes from Pets Best for your specific pet to get an idea of how much a policy would cost you.

Person on computer checking pet insurance quotes (Caption: Save Money on Vet Bills, Button: Get Free Quotes)

You can also use our pet insurance quote form to see how top providers compare for your actual pet.

Does Pets Best Have Any Discounts?

Pets Best offers the following discounts:

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

Use this link to take advantage of the best possible price. No promo code is needed. 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

For example, let’s say you have a plan with 90% coverage, a $1,000 deductible, and unlimited annual payouts. Your dog gets kennel cough, and the vet bill includes sick exam fees, blood work, and other diagnostic testing.

  1. You pay the total of the vet bill to your vet’s office, which is $1,356.23.
  2. In your Pets Best account under Claim Center -> Submit a Claim, you fill out the information asked for (type of claim, date of vet service, health condition, name of vet clinic) and upload the paid itemized vet bill.
  3. A Pets Best specialist reviews the claim and your policy coverage to determine any eligible reimbursement. If the claim is approved (typically within a few weeks), you receive an email with an Explanation of Benefits (EOB), which shows how your benefits were applied to your claim.
  4. In this case, the waiting period has passed, and kennel cough qualifies as an illness with no pre-existing conditions, so you receive the following reimbursement:
    • [$1,356.23 (eligible vet expenses) x 90% (reimbursement percentage)] – $1,000 (remaining annual deductible) = $220.61 (reimbursed amount)
  5. For the remainder of the policy period, any eligible vet bills will be reimbursed 90%. Only 10% will be due out of pocket because the deductible has been met for the year.
Pets Best Explanation of Benefits example

Watch this quick video to see how easy the claim submission process is (from a current customer).

Reimbursement Story

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

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

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

What Are The Most Common Claims Submitted To Pets Best?

Average Cost For DogsAverage Cost For Cats
Stomach Foreign Object$3,262$2,955
Broken Bone$2,371$2,257

Frequently Asked Questions

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

How Do I 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.

Does Pets Best Premium Increase?

Your premium won’t increase based on the number of claims filed. However, as your pet ages, your premium will adjust to account for the increased likelihood that there will be age-related health issues.

How Long Does It Take For Pets Best To Process A Claim?

Pets Best’s current claim processing average is 7-14 days. The amount of time it takes for a claim to be processed is dependent upon the claim type.

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

We recommend Pets Best for its extensive 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 years.

If you want to know how Pets Best stacks up against other pet insurance carriers, check out our comparison of pet insurance providers. We compare the top ten pet insurance providers and rank them, explaining each company’s strengths and weaknesses. We also have many comparison tables to help you see where pet insurance companies differ. We answer frequently asked questions, walk you through a pet insurance claim example, list out all of your pet insurance options in an easy-to-digest directory format, and more. We’re sure we can answer all your pet insurance questions, so you feel equipped to make the best decision for your pet.

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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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