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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.
 
VIEW RATES

How is Pets Best rated?

Breakdown

5.0/5
Coverage
5.0/5
Cost
4.5/5
Extras

Overall Rating: 4.9 / 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 - 5 / 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 - 5 / 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 - 5 / 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 - 4.5 / 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 / 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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Michael S

12/7/2017
As an insurance agent, I feel morally obligated to urge anyone reading this to NOT purchase from Pets Best. I have had MUCH better luck with Figo (and I can't even sell policies for Figo since my company is contracted with Pets Best). In my personal opinion, this company has got to be the WORST pet insurance company on the planet. After my claim was denied, I reviewed my policy and the "What's not covered? See a FULL list here". No where was it mentioned that this was an exclusion (infection post de-claw). They blew my concerns off on the phone and I subsequently filed a small claims case. Their lawyer argued that Pets Best is not an insurance company, but rather a third party that... Read More
211 People found this helpful.
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Jonathan B

7/3/2018
Absolutely a waste of money! I signed up for both their insurance as well as their wellness program that is supposed to include office visits and common care services. Paid a lot of money each month! The first claim I had was for a simple office visit. The veterinarian popped a small cyste (pimple) on her back and told me that it was nothing to worry about. The bill for the doctor visit was only $72 which was less than even one month of premium payment on the PetsBest insurance. I immediately filed the claim on their phone app and after 2 weeks they finally got back with an email telling me that they couldn't get any information from Banfield (A vet, but not my dogs vet) I... Read More
155 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Jonathan, thank you for your review. Based on the medical records, the cyst being treated was present two months prior to the policy start date. If you disagree with this decision, you may file an appeal with supporting documents 30 days from the date the claim was denied. We are sorry to see you go and wish you the best!
G
Gregg P

6/22/2018
All the online rumors about this company are true! Total scam! They blame pre-existing conditions for any expensive claims, but pay out on the small claims. Don't waste your money. Save $50-100 a month and put it in the bank, then the money will be there when you need it.
125 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Gregg, when a claim is filed, medical records are requested from your veterinarian. Your vet records show claimed condition started manifesting five months prior to enrollment. Therefore, deeming this condition pre-existing and not covered by insurance. However, your second claim was reimbursed per the policy you selected. We are sorry to see you go and wish you the best.
B
Beth M

10/1/2016
There are no words for how horrible they are... they delay paying claims, have in correct fax number on their claim forms, keep having to fax and refax time after time... I finally opened a claim with the DOI and voila they paid... however their VP of claims tried explaining why they delayed paying and they were all lies.. I had kept a log of every fax and every conversation I had... I call them Pets Worst... I had two giant breed dogs and unfortunately I am stuck with them for one dog.. I have pulled my second one off and even though it's costing me more money to have them separately insured, it's well worth the money... I give them no stars
102 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Beth, At Pets Best any policyholder who is not satisfied with a claim decision is encouraged go through our appeals process. When your complaints came to our attention we sent your claim for review and found that there had been an error. If you need anything further, we are always here to help in any way we can. We wish you and your dogs all the best moving forward.
F
Francie

6/27/2018
We paid premiums for several years with Pets Best insurance for our two dogs. Each year we paid the premiums in full and even though the cost continued to go up. I am retired now and this year the premiums went up considerably and I was afraid we wouldn’t be able to afford it. One dog's renewal was June 15, 2018. I made several calls to Pets Best and left several messages and an email for Gina Hinojosa who helped me adjust my plan last year. I never heard from her. On Thursday, June 14th I called again and spoke with “Penny.” She told me they could raise the deductible by another $100, take 70% reimbursement and drop the rehab/physical therapy and holistic/alternative and it would... Read More
78 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Francie, we are sorry to hear you've had a negative experience with Pets Best. We would like to look into your case but cannot find you in our system with just your first name. If you would like us to review your policy, please contact us with your policy number or email address to igoff@petsbest.com or you may call us at 877-738-7237. Have a good day!
S
SJ

9/17/2015
Do not buy Pets Best. They will raise your rates quickly. Mine went up 400% in three years. Go with Healthy Paws. Or Trupanion. There rates are much better priced. And they don't gouge you down the road.
76 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi SJ, we would like to go over options with you to lower your premium. We appreciate that you were a loyal Pets Best Customer and we understand your concern for a more affordable premium. Please call us if you would like to go over these options. You're correct that your rates can go up each year when your policy renews. In order for us to determine the adequate premium we need to maintain our services, we analyze claims data related to pet age, breed, geographic location, and factor in general inflation. We're here to help you in any way we can. 1-877-PetsBest (877-738-7237) Mon-Fri 7AM - &PM. SAT 10AM - 2PM Mountain Time
David J

9/4/2018
I just canceled my policy with Pets Best after having been a customer over a year. When you need to use their services they will find every possible way of not helping you. I asked them to review an estimate from the vet prior to paying for the services. I wanted to know if the procedures would be covered. Pets Best refused. Typical service from an insurer. Save your money, these people are a scam.
70 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi David, our records show there hasnt been any communication between Pets Best and yourself since the policy started last year. Additionally, no claims have been filed for review. Seems as if there has been some misunderstanding in regards to benefits. Please contact our company from the phone number we have on file to clarify your concern. Have a good day.
B
Becky

6/19/2018
I was very excited to sign up my dog for Pet's Best Insurance after reading (mostly) good reviews about customer's experiences with Pet's Best and especially their speedy claim processing time. I submitted a claim that would mostly just cover my deductible. The claim was in the "received" status for one week. On day 8, It changed to "records requested from vet". I called and spoke with a very pleasant customer service representative who informed me that first time claims "take a bit longer". I have read numerous reviews on-line regarding first time claims with a five day turn-around time. The representative then told me that it usually takes two to three days to get the requested... Read More
45 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Becky, we are sorry to hear of your dissatisfaction with our claims process and appreciate your feedback. Some claims tend to be complex and in order to accurately process your claim and ensure you are receiving the most reimbursement, we may request medical records from veterinarians your pet has visited, past or present. Unfortunately, the time it takes a vet clinic to supply us these records can translate into more claims processing time for our policyholders—please keep in mind, however, Pets Best tries to make our claims process as simple as possible by not requiring our customers to obtain these records themselves. We would like to look at the status of your claim but cannot find you in our system. Please contact us at 1-877-738-7237. We look forward to speaking with you.
K
kpmann75071

6/29/2018
I don't understand all the bad reviews here. I have 4 dogs covered by Pet's Best. In the 6 years I've had this coverage this was the first year I had to file claims for 2 different dogs. All claims were paid out fairly and in a reasonable amount of time. One of my latest claims for my dog that was diagnosed with cancer took a couple days longer because vet records were requested. I assume this was because he was diagnosed during a dental appointment and we do not have dental coverage. Pets Best covered that entire appointment minus the cost of the teeth cleaning. I was more that happy. Sadly after a CT scan it was determined this same dog has an inoperable Osteosarcoma and he only has a... Read More
40 People found this helpful.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Thank you for being a part of PetsBest!
C
Carl

3/11/2017
Definitely not the best option out there. I found a health insurance provider that covers the same as pets best, plus they had the Wellness option included in the same amount per month that I was paying for my pets best policy without the Wellness option.
38 People found this helpful.
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