Pets Best Review

ByJacob ParkerJan. 18, 2021
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In a Nutshell

Pets Best is one of the most established pet insurance providers on the web today. It was launched in 2005 by Dr. Jack Stephens, who actually helped to kick start the pet insurance industry some 40 years ago. Today, the Pets Best service stands out thanks to its international pet coverage and unlimited protection.


  • Affordable accident-only coverage
  • Unlimited plans available
  • 24/7 pet helpline


  • Some coverage exclusions are vague
  • Wellness treatments are not included

Pets Best Pets Best View Rates

Pets Best at a Glance

Pets covered Dogs and cats
Waiting period
Accidents - 3 days
Illnesses - 14 days
Cruciate ligament conditions - 6 months
Deductible $50 - $1,000
Reimbursement model 70% - 90%
Suitable for Pet owners looking for flexible coverage options

What's Covered?

Because Pets Best has a wide range of different plans, certain expenses, such as medical evaluations, are only be covered by certain packages. With the exception of the budget accident-only policy, all Pets Best policies will cover these costs:

  • Illnesses including cancer, diabetes, allergies, and cruciate ligament injuries
  • Skin and ear infections
  • Hereditary and congenital conditions
  • Emergency care, hospitalization, and surgeries
  • Dental issues
  • Prosthetics and wheelchairs

Insurance Plans & Pricing 

Pets Best offers three different core service packages: Essential, Plus, and Elite. There’s not a massive amount of difference between them as all three can be used to pay for costs such as emergency room visits, medications, and surgeries. However, the Plus plan also provides coverage for veterinary exam fees. The Elite plan goes a step further with coverage for rehabilitation, acupuncture, and chiropractic treatments.

Pricing varies based on your location, your pet’s characteristics, your chosen deductible, reimbursement percentage, and annual limit. When we requested a quote for our female, mixed breed puppy with a $250 annual deductible, 90% reimbursement rate, and no coverage limit, Pets Best quoted us $32.48 per month for the Essential Plan and $39.65 for the Elite package. 

By contrast, with the same plan setup, Pets Best quoted between $44.31 and $54.09 per month to protect our 10-year old American short-hair cat. It’s worth noting that your premiums will be dropped by 5% if you insure more than one pet.

Pets Best also has a fixed-rate accident-only plan. This costs $6 per month for cats and $9 per month for dogs, regardless of age or breed. 

What’s more, you can add wellness protection through Pets Best with two add-on policies: $16 per month EssentialWellness plan or the $26 per month BestWellness supplement. These extra subscriptions have no deductible and can be used for costs such as flea prevention, vaccination, and microchipping.

What's Not Covered

No Pets Best plan will reimburse you for expenses related to pre-existing conditions or non-medical costs like special diets. Also, Pets Best won’t pay for problems generated by preventable conditions where a vet has previously advised you to take measures to avoid something turning into an issue.

Waiting Periods

Pets Best stands out from competitors thanks to its waiting periods which are some of the shortest in the industry. Three days after taking out your policy, you can make accident-based claims, and illness-related expenses can be claimed after two weeks. Most competitors, like Spot, have two-week waiting periods for all claim types. 

However, Pets Best does make you wait longer for costs associated with cruciate ligament conditions. The waiting period for these expenses is six months. 

Coverage Limits

With all Pets Best plans, you can choose between unlimited coverage or a $5,000 annual limit. If your pet encounters any major medical issues, you could easily face over $5,000 in costs in a given year, so many Pets Best customers are better off with the unlimited option. 

Reimbursement and Deductibles

When you take out a Pets Best policy, you can choose between a 70, 80, or 90% reimbursement rate and an annual deductible of $50 to $1,000. The deductible is what you’ll pay out of pocket every year for treatment before your policy kicks in.

Let’s say you have a labrador insured with Pets Best on an Essential policy with an 80% reimbursement rate and a $500 deductible. If your pet requires an emergency $700 surgery at the start of the year, you’ll get $160 towards the cost. However, if $1,800 worth of medication is required later in the same year, Pets Best will reimburse you $1,440 because you’ve already paid your deductible.

Claims and Service 

Filing a claim through Pets Best is extremely easy thanks to the helpful online portal. All you need to do is fill out a short claim form and attach it along with photos of paid invoices and proof of payment, such as a credit card receipt.

If you have any problems entering a claim, you can get in touch with the Pets Best customer care team over the phone or via live chat. Agents are available from 5 AM to 7 PM MST Monday to Friday and on Saturday mornings.

What You Might Like

Lots of Pets Best clients enjoy the pre-authorization system for claims of more than $500. This can give you peace of mind that the cost of a major procedure will be reimbursed before you decide to go ahead with it. All you need to do is submit a few documents, including an itemized estimate and your pet’s medical records, to get pre-authorization.

What Pets Best Could do Better

A downside of Pets Best is that the platform excludes parasites, pre-existing conditions, and preventative procedures from its coverage. Unfortunately, few insurers are willing to pay for costs relating to pre-existing conditions, but some alternative providers do have packages that cover parasitic infections and preventative treatments. 

Contact Details and Address

You can reach Pets Best on the phone at 1-877-738-7237 or by mail at:

Pets Best

2323 S. Vista Ave. Ste. 100

Boise, ID 83705

How Pets Best Compares

Pets Best ASPCA
Waiting period 3 - 14 days 14 days
Reimbursement rate 70% - 90% 70% - 90%
Annual deductible $50 - $1,000 $100, $250, or $500
Coverage limit $5,000 or unlimited $5,000 or unlimited

Pets Best Pets Best Visit Site

Bottom Line

Cat and dog owners wishing to make sure the needs of their beloved pets are taken care of are sure to love Pets Best. Claim pre-authorization along with limit-free policies mean, once you’ve subscribed to Pets Best, you can rest easy in the knowledge that you won’t be left with a huge bill if your pet requires emergency treatment. Do keep in mind, however, that the Pets Best core plans don’t cover any wellness treatments or pre-existing conditions. 

To compare more financial products and read more guides and reviews, visit BestMoney


Pet insurance offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (APIC), a New York insurance company, or Independence American Insurance Company (IAIC), a Delaware insurance company. Please visit to review all available pet health insurance products underwritten by APIC. IAIC is a member of The IHC Group, an organization of insurance carriers and marketing and administrative affiliates, please visit for additional information. Please refer to your declarations page to determine the underwriter for your policy. Each insurer has sole financial responsibility for its own products.

Pets Best customer testimonials

GreatReviews 1,598
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  • author
    Jessica Chaney
    2 days ago
    It was easy to file my claim online

    It was easy to file my claim online. Even though it said it would take at least 5 days to process, I had results in just a couple days.


  • author
    Monica Cloonan
    21 hours ago
    This is my first time using let…

    This is my first time using let insurance. I submitted the claim and heard back in a few days. I am still waiting for the money to go direct deposit in my account.


  • author
    Shanteria Dixon
    3 days ago
    Ease of submitting a claim and the…

    Ease of submitting a claim and the prompt refund is appreciated. Friendly customer service. So far a good investment.


  • author
    3 days ago
    Long Processing Times and Difficulty Getting Claims Paid

    My claim was denied originally despite all documentation from the visit being provided. When I tried to reach someone on the phone or chat it was almost impossible. When I finally could talk over chat I was told the doctor's SOAP notes were needed from my pet's very first visit that was months prior and unrelated to the current claim. The doctor sent them over, and despite PetsBest saying the claim would be reopened when the notes were received, it never was. This time I was able to get someone on the phone from your company after almost an hour of waiting, and was told the notes from the doctor were never forwarded on PetsBest end to the processing department after being received. Months later, the claim was finally paid out, but never would have been if I didn't call to make sure you all did your jobs properly on your end.


  • author
    Ciara Maxwell
    3 days ago
    Easy to sign up

    Easy to sign up! Easy to file claims and get the reimbursements. The only thing I had issues with was filing a claim on the app, as it kicks you out every time you leave the app to scan a document or whatever else you need to do outside the app, so I definitely use the website more often.


Pets Best