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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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Jo G

9/14/2020
This company is dreadful. Do NOT even think about purchasing insurance here. I appealed a claim in JULY and I never heard back. Furthermore, it's impossible to speak with anyone at this company. I haven't even been able to cancel my policy. I believe they're going out of business so avoid Pets Best! Tell me, "Official Response," why no one is available for a call? "Affected by COVID" is a really lame excuse. EVERYONE is affected by COVID but most business at least TRY to accommodate their customers.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Jo, we are available on the phone. We are just currently experiencing longer wait times. You can also live chat or write an email if you prefer. Have a good day!
B
Bill C

8/10/2020
This company, Pets Best, is the worst insurance company I have ever dealt with. The company puts up a front as to being out for the animals, however, Pets Best is only out to take your money. Buyer please beware and steer clear.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Bill, we are sorry you had a negative experience. We wish you the best with your new company.
Yvonne T

6/1/2020
Please save yourself the aggravation and the money. pets best is a complete waste of both I have been a loyal customer for the last five years with two pets insured. Premiums have now reached almost $1000 a year and they use every excuse under the sun not to cover a claim and when they do cover claim it takes months to see any reimbursement.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Yvonne, yes rates will continue to increase as your pet gets older. The risk of insuring older pets is higher. You are welcome to contact us to review other options. Have a good day.
Donna J

5/12/2020
I cancelled my WELLNESS PLAN with Pet's Best because after going over the numbers with them I was losing money on the reimbursement they were giving me on the medications. I was getting less than half of what his basic meds were costing me. And recently, my dog had an emergency visit, and needed a CBC Panel and Exam/Consultation. They denied both. Amazing. They said that this was part of his regular check up??? This was an emergency visit during Covid-19 ... and he was sick. And he never needs a CBC panel with his yearly check up. I am going to fight this. They have raised my rates on a 6 year old dog with no problems for no reasons.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Donna, you are welcome to file an appeal if you disagree with a claim decision. Please be sure to provide supporting documents. We wish you the best.
arthrodoc

4/23/2020
Extremely poor handling of claims - takes forever even when submitted online. If they don't receive a year of records from vet they deny the claim and close it. There is always a reason for denying a claim and after 1 year of multiple claims we had to cancel as no claims were paid. They have a way to obtain pre-authorization for an expensive claim but found a loophole so that it couldn't be used - even when the vet record revealed this was the recommended treatment. On the phone they said they couldn't guarantee it but they saw no reason it wouldn't be covered - it was eventually denied because the dog had a similar problem on the other side 2 years previously which had fully healed with... Read More
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Booby B

3/26/2020
Pets Best insurance, in my opiion, is the best that is available. Their monthly premiums are lower than others, owned by veterinans, and have free phone consolting with a doctor. My dog contracted cancer, and they have paid every bill within a month. When I purchased the insurance, I had checked every other insurance company at the time, and found Pets Best to be the best. Love it.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Bobby, thank you for your review. We appreciate your loyalty to Pets Best.
cyndiechow

3/11/2020
I changed my full coverage policy with them to a basic coverage policy...and they automatically billed my credit card for my original policy (more than a $600 difference); I had to constantly contact them to get this corrected and weeks later I still do not have a full refund. They refunded me $312 originally. They said they sent a check for the remainder which was $280 (still not received after several weeks). I wanted to keep the basic coverage; however, for all the hassle to deal with and unanswered questions I am cancelling my policy (which I probably won't be reimbursed for either). I don't like not insuring my pet, but I refuse to work for a company that practices in such a... Read More
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Cynthia, we had not received any contact from you until March 11th, 2020. During this conversation with our supervisor, you were advised per your request, the refund check was mailed to you. We are sorry to see you go and wish you the best.
M
Michael N

3/9/2020
DO NOT BUY THIS INSURANCE! Given my experience, I have to say this is probably the worst insurance agency I've ever dealt with in my life. I have open complains with the BBB and CA Department of Insurance against them, and I'm contemplating litigation at this point since they seem to not give a flying rip about me. My decent into pet insurance hell began on Christmas Eve of 2019, when my dog began vomiting uncontrollably. The vet diagnosed my dog with a possible bowel obstruction and he also noticed a suspicious mass, so my dog underwent an exploratory abdominal surgery and had the mass removed and biopsied. What a Christmas! I don't have a wife or kids, so this dog is like a child... Read More
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Michael, received records were reviewed which indicate the claim you filed was for a condition that originated prior to coverage. If you disagree with your medically trained veterinarian's observations, you are welcome to file an appeal. Have a good day.
jaredchassen

2/25/2020
I have had several insurance providers for my animals over many years. I must say Pets Best is the worst company by far. Over a 1 year term, I have had 5 claims denied and 1 pre-authorization. This is not an emotional rant, each claim had valid reason and diagnosis yet the crooks at Pets Best found a loophole or reason that it was invalid, no reason to appeal, they do not get back to you on those either. Pets Best is a scam, and after thousands of dollars of bills I can't afford, my pet is the one who is affected at the end of the day. STAY AWAY....
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Thank you for your feedback. We are sorry to hear you had a negative experience.
K
KJ

2/20/2020
Absolutely a waste of money ! Where to begin! Well, I waited 6 weeks for my reimbursement and was emailed that it was to go into my account over a week ago and still haven’t received it. When I called about the wait they said they don’t have enough help. please! To many to list here, never covers anything, they will always look for something in the records that will make them not cover your claim. Just stay away! I give them no stars. I had to put 1 to enter this review. I read they have financial problems, I believe it.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi KJ, please contact us if you havent received your claim payment so we can look into it. We are not having financial problems, in fact the opposite. We experienced unexpected growth after merging with a very stable and successful company, Synchrony. Have a good day.
Our Partner
  • Save Up To 90% On Vet Bills
  • Affordable Plans Starting at Less than $1/Day
  • Providing Comprehensive Pet Insurance For Over 750,000 Pets
  • Multiple Wellness Plan Options
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