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Pets Best Pet Insurance Review

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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.
 
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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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johnjamesgraff

2/11/2020
Run away from Pets Best, or as I like to call them, Pets Worst. They take 4-6 weeks to process claims. They will tell you this is just for the first claim but that is a lie. They must be suffering some sort of financial trouble because they always try to find excuses to delay paying out claims or deny them for no reason. They denied an ear infection claim and they coded it for Intervertebral Disc Disease and not an ear infection. Makes you wonder if they are even making any effort at all to review claims or if they are just phoning it in. I have had other pet insurance in the past and this one is by far the very very worst pet insurance ever.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
We understand your frustration regarding the delay recently experienced in claims. Your claim and your pet are important to us. We have experienced an overwhelming amount of growth in our business that was unexpected and are currently processing more claims than we anticipated. We are diligently working to get back up to speed, and we appreciate your business as we work towards that goal. At this time claims may take up to 25-39 days to process especially if we need medical records. We appreciate your patience.
cheamerrill

1/30/2020
I just submitted a claim and the estimated time to process is 35-60 days! That is completely unacceptable. Their reason for the delay......they are backed up with processing due to a high number of claims submitted. Seriously, NOT MY PROBLEM.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
We understand your frustration regarding the delay recently experienced in claims. Your claim and your pet are important to us. We have experienced an overwhelming amount of growth in our business that was unexpected and are currently processing more claims than we anticipated. We are diligently working to get back up to speed, and we appreciate your business as we work towards that goal. At this time claims may take up to 25-39 days to process especially if we need medical records. We appreciate your patience.
Marlene D

11/20/2019
they are great with my dog they treat her with kindNess gentle over all great people
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Judy

5/16/2019
I am not happy at all with Pets Best insurance. I pay almost $50.00 a month and they don't pay hardly anything in claims ..I called the other day to get a quote on Teeth Cleaning and they only pay $150.00. That's nothing when they charge anywhere from $500.00 on up. I took my dog the other day for two shots and an exam The bill was$90.00 They are only reimbursing me 41.00. They have all these deductibles and deny claims. I'm paying almost $600.00 a year in premiums. I'm.going to change to another company. Don't recommend.
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Thank you for choosing Pets Best!
W
Walter

1/18/2017
I have had my 4 y/o lab insured with Pets Best for about a year and after submitting two claims over the last year, I can honestly say they have been great! Claims have been paid quickly, without any confusion, and their online customer center is extremely easy to use. I highly recommend them to anyone searching for the best pet insurance company!
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Pets B  
Official Response

Support of Pets Best Pet Insurance (CPC)
Hi Walter, we are happy to you are part of the Pets Best family and look forward to insuring you for many years to come!
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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