Pets Best Review: Putting Your Pets First?

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Two golden labs in bed

Pets Best is consistently among the least expensive pet insurance providers when we run our quotes. But does paying less mean you’re getting worse coverage for your furry pal?

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Article Overview

Pets Best Review

4.55 / 5
Pets Best Review
Policy Coverage 4.8
Customer Service & Reputation 4.0
Timeliness of Claim Payment 4.8
Price of Policy 4.8

Pros

  • No lifetime limits on any plan
  • Great pricing, consistently among the least expensive when we ran quotes
  • BBB rating: A+
  • Multiple forms of customer support: live chat, phone, email, FAQ
  • Electronic claim filing and direct deposit options
  • 30-day money-back guarantee
  • 5% multi-pet discount
  • No age limits
  • Your pet is covered when they travel with you in the U.S., Canada and Puerto Rico

Cons

  • $2 transaction fee (waived if pay annually or live in Maryland or Alaska)
  • Alternative/holistic therapies are not covered
  • Average claim repayment has been longer than most during the past year

Pets Best Screenshot of App

Key Features

  • Underwriter: American Pet Insurance Company
  • No exam required
  • Bilateral exclusions (a condition or disease that affects both sides of the body): luxating patellas, cruciate ligament events (CCL/ACL), glaucoma, entropion, ectopion, hip dysplasia, elbow dysplasia, cataracts, cherry eye and osteochrondritis dissecans (potential for others as well)
  • Claim repayment averages a few weeks, and direct deposit is an option
  • Must submit claims within 180 days of the date of service
  • 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 pet, and coverage will continue if new owner contacts the company within 30 days
  • Submit claims via customer’s online account, app, mail or fax
  • 30-day free look period (similar to a money-back guarantee)
  • 24/7 Pet Helpline allows you to speak with a vet expert day or night
  • Progressive and Farmers Insurance sell Pets Best
  • 5% discount for military families (not available in Alaska, Hawaii, Tennessee)

Pre-Existing Conditions

Defined by Pets Best as:

In determining which Conditions are Pre-Existing, we look at the 18 months preceding the Policy Effective Date and exclude any Conditions that were Present during that period. Conditions that are Present during the policy Waiting Period described in 2.C. are also deemed to be Pre-Existing Conditions. Please note, the following Conditions are deemed Pre-Existing Conditions if they are Present at any time preceding the Policy Effective Date or the expiration of any Waiting Period:
1. Chronic Conditions.
2. Bilateral Conditions, if your Pet had at any time any PreExisting Conditions consistent with that same Bilateral Condition on either side of the body.
3. Intervertebral disc Conditions, if your Pet had at any time any Pre-Existing Conditions involving the intervertebral discs (due to either degeneration or trauma).

Customer Service Hours

  • Email, text and live chat (hours not listed)
  • Phone: Monday – Friday 7am to 7pm MT and Saturday 10am – 2pm MT

Pet's Best Waiting Period

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.

  • 14 days: Illnesses and related conditions
  • 3 days: Accidents and related conditions
  • 6 months: Cruciate ligament events and any related conditions
  • 14 days: Hip dysplasia

To learn more about ACL injuries in dogs, check out this video.

What Does Pets Best Cover?

Services included are not limited to this list and are subject to change.

Covered by Pets BestNot Covered by Pets Best
Accidents and injuriesPre-existing conditions (the 18 months preceding the policy effective date and conditions during the waiting period)
Emergency visitsBilateral Conditions, if your pet had at any time any pre-existing conditions consistent with that same bilateral condition on either side of the body
Hereditary and congenital conditionsChronic conditions that present signs or symptoms before the policy effective date
IllnessesOrgan transplants
Prescription medicationsDietary supplements
Vet exam fees (in the Plus/Elite plans)Burial and cremation
Wellness coverage (if purchased as a rider)Acupressure
Cancer treatmentsAcupoint
SurgeryAromatherapy
SpecialistsHerbal remedies
Outpatient careHolistic care
Medical imagingHomeopathy
HospitalizationStem cell therapy
Rehabilitation (in the Plus/Elite plans)Preventative care
Dental trauma
Prosthetics
Bilateral conditions (if not present prior to policy effective date)
Behavioral treatments
Foreign object ingestion
Euthanasia
Acupuncture (in the Plus/Elite plans)
Physical therapy (in the Plus/Elite plans)
Hydrotherapy (in the Plus/Elite plans
Low level laser therapy (in the Plus/Elite plans)
Travel coverage in Canada, Puerto Rico and US Territories

Accident Only Plan

Pets Best offers an Accident Only plan, which has a $10,000 annual 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.

Veterinarian Performing Surgery

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 2 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.

 EssentialWellnessBestWellness
Price Per Month$16 ($14 in Washington)$26 ($30 in Washington)
Spay/Neuter - Teeth Cleaning$0$150
Rabies$15$15
Flea/Tick Prevention$50$65
Heartworm Prevention$30$30
Vaccination/Titer$30$40
Wellness Exam$50$50
Heartworm Test of FELV Screen$25$30
Blood, Fecal, Parasite Exam$50$70
Microchip$20$40
Urinalysis or ERD$15$25
Deworming$20$20
Total Annual Benefits$305$535

Is Hip Dysplasia Covered?

Pets Best covers hip dysplasia after a 14-day waiting period, as long as it wasn’t a pre-existing condition. This can be reduced or waived according to Pets Best’s policy (see details below in Waiting Periods).

Pricing Quotes

We’ve gathered some sample prices from Pets Best insurance for its accident and illness coverage plan. You can choose your deductible, either $50, $100, $200, $250, $500 or $1,000. You can also choose your reimbursement level: 70%, 80% or 90%. For annual coverage limits, you can choose $5,000 or unlimited.

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. Quotes are from December 2019.

BreedLabrador RetrieverYorkshire Terrier Golden RetrieverMixed Breed Cat
Age4 Months4 Years2 Years2 Years
Male/FemaleMaleFemaleMaleFemale
LocationMiami (33114)New York City (10006)San Francisco (94107)Chicago (60615)
Reimbursement Level80%80%80%90%
Deductible$250$100$500$1,000
Annual MaximumUnlimitedUnlimitedUnlimitedUnlimited
Price Per Month$38.84$59.66$49.72$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.

Coupon Code

Pets Best offers two discounts that you may be eligible for when you use this link:
  • 5% multi-pet discount
  • 5% discount for military members and their families
You can also visit our dedicated Pets Best promotions page to discuss current offers.

Reimbursement Story

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 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

Customer Reviews

Positive Reviews

I have been with Petsbest for almost 4 years now. My first claim was denied due to pre-existing condition which almost made me cancel the policy. However, after reading through all the fine prints, they were in the right to deny my claim. The condition started 1 day before the waiting period ended.
All claims afterward were paid within 1 – 2 weeks. They have paid over $5,000 for my dog so far in 7 claims from 4 illnesses. The premium has been increased at a very reasonable rate just from $287 in the first year to $326 yearly in the fourth year. Their customer service is great and easy to reach. Submitting a claim requires just a receipt photo and a short explanation on my part. PetsBest did the rest of the work. I am glad I did not cancel the policy in the first year and would like to thank PetsBest for helping our family out with all the expense. – Pan J., Yelp 9/26/2019

I love having pet best for my Bella , have no worries easy to file a claim and easy explanation of what they giving you back wick and easy. – Christina P., TrustPilot 12/7/2019

Negative Reviews

If I weren’t forced to keep them as a carrier I would have chosen another one however I’m stuck Their latest excuse for not paying claims on time- now it’s taking 20-25 days “because of our growth.. bla bla bla Hire more people Still calling them Pets Worst Thinking again about opening a claim with the DOI – Beth M., Yelp 11/15/2019

You people do not know what you are doing. I have had a claim going for ever and have sent you all information and more. You keep denying me because my vet sent wrong papers to you from one of my other pets and she and i have written you about it but yet you still denied it and I have to reopen it again and it takes you 60 days to review every time .i will never use you again and am going to council my puppies coverage as soon as i find a other co. Would never recomend you and I have reported you to ins. Board – Rosanna S.L., TrustPilot 12/7/2019

Pets Best vs Other Companies

See what the key differences are between Pets Best and other leading pet insurance companies.

Pets Best vs Healthy Paws

  • Pets Best offers $5,000 or unlimited claim limits, while Healthy Paws offers unlimited.
  • Healthy Paws has a longer waiting period for hip dysplasia at 12 months vs Pets Best’s 14 days and a shorter ACL waiting period at 15 days vs Pets Best’s 6 months.
  • Both companies were consistently among the least expensive when we ran quotes, but Pets Best is often slightly lower in cost.

Compare Pets Best and Healthy Paws

Pets Best vs Petplan

  • Pets Best was consistently among the least expensive when we ran quotes, while Petplan was more towards the middle or high end.
  • Pets Best has a shorter 14-day waiting period for hip dysplasia, while Petplan is 6 months.
  • Petplan’s underwriter (XL Specialty Insurance Company) has an A rating A.M. Best, while Pets Best’s underwriter (American Pet Insurance Company) is unrated.

Compare Pets Best and Petplan

Our Final Verdict On Pets Best

Visit Pets Best 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.

If you’re interested in how Pets Best stacks up against other pet insurance carriers, check out our pet insurance comparison to see the results.

What features do you like or dislike about Pets Best?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

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.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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