Pets Best Review

In-depth pet insurance with an annual deductible. Shortest waiting periods in the industry. Quick claims process. Direct deposit available for vet bill reimbursement.


Pets Best Insurance Services was founded in 2005 by the veterinarian that first introduced Americans to pet insurance back in 1981. Based in Idaho and made up of a team of pet lovers and veterinary professionals, Pets Best is underwritten by American Pet Insurance Company (APIC). The company is on a mission to makeover the pet insurance industry for the better and help pet owners from across the United States be able to afford life-saving vet care for their four-legged family members.

Pets Best strives to offer the best pet insurance plans and service with unlimited coverage for accidents and illnesses, chronic conditions like cancer, and everything in between. You’ll get the peace of mind that comes with knowing you’re financially covered for any unexpected vet visits, enjoy the convenience of an annual deductible, and benefit from some of the shortest waiting periods in the industry if your dog or cat is covered by Pets Best.

Coverage Details

Our review of Pets Best is going to show you some of their great pet insurance coverage benefits. We’ve gathered up all the info on what’s covered by Pets Best for you, so you don’t have to waste your own time when trying to choose the right pet insurance provider.

Accidents and Illnesses: Your pet will be fully covered for accidents like broken bones or lacerations, as well as illnesses like diabetes or epilepsy. Pets Best will give you the peace of mind that comes with knowing you’re financially protected against the unexpected.

Emergency Care and Surgery: Seeing an emergency or specialty veterinarian can quickly become very expensive, thanks to costly diagnostics and urgent surgical procedures. With Pets Best, your dog or cat will be covered during any type of emergency vet visit.

Hereditary and Congenital Conditions: If your pet is diagnosed with a common hereditary disorder like hip or elbow dysplasia, Pets Best will help you cover the costs of treatment. You’ll also be reimbursed for congenital conditions like cherry eye or Wobbler Syndrome.

Exam Fees and Prescription Meds: Unlike other pet insurance companies, most Pets Best plans provide reimbursement of exam fees and prescription medication costs when your pet is seen for a covered illness or accident by a licensed veterinarian.

Cancer and Chronic Conditions: If your pet is diagnosed with cancer or another chronic illness when covered by Pets Best, you’ll be reimbursed for all vet care until your dog or cat is feeling better, even if treatment lasts for months or even years.

Prosthetics and Wheelchairs: Some pet illnesses or accidents result in a vet prescribing a prosthetic device or wheelchair to maintain optimal quality of life. Pets Best will help to cover the cost of your pet’s wheelchair or prosthetic, giving you the chance to keep them happy and healthy for longer.

Dental and Behavioral Coverage: Although many pet insurance providers won’t cover dental or behavioral care, Pets Best will reimburse you for the treatment of most dental diseases, as long as your pet was free of dental issues at the time of signing up. And you’ll also be covered for most behavioral consults and medication.

Extra Coverage Benefits: Pets Best offers some of the most in-depth coverage that we’ve encountered, and unlike many other pet insurance providers, they offer reimbursement for humane euthanasia and full coverage for pets that haven’t been spayed or neutered.

Like all pet insurance providers, Pets Best does have some coverage exclusions you should know about. What’s not covered by Pets Best pet insurance includes pre-existing conditions, treatment of parasites, special diets and supplements, elective procedures, and herbal or holistic therapies.

Plan Rates & Sample Quotes

Pets Best offers some of the most flexible pricing options we’ve encountered amongst the top pet insurance companies and monthly premiums start at just $16 for cats and $30 for dogs.

Although they have all-inclusive pet insurance plans that provide extra coverage and are on the high-end at around $70 a month, if all you’re looking for is an accident-only plan for your pet, the monthly premium can go as low as $10.

Pets Best makes it super-easy to get a free online pet insurance quote. But in case you want to get a good overview of what you can expect to pay for your pet to be covered by Pets Best, we’ve gathered up some sample policy quotes for you.

Domestic Shorthair Cat: 1 year old, Male, Florida (32818) covered for $17.17 per month.

Golden Retriever: 3 years old, Female, Illinois (60007) covered for $38.10 per month.

French Bulldog: 6 years old, Male, California (94102) covered for $100.93 per month.

German Shepherd: 2 years old, Female, New York (10003) covered for $43.15 per month.

Please Note: All sample policy quotes come with a 90% reimbursement rate, a $250 annual deductible, and an unlimited yearly payout.

Reimbursements & Deductibles

Pets Best offers reimbursement percentages that are well in-line with pet insurance industry standards. And they give you the ability to customize your pet’s insurance plan by choosing your own level of reimbursement at 70%, 80%, or 90% of the total vet bill.

Once your annual deductible has been met and Pets Best has received the paid veterinarian invoice for procedures that are covered under your pet’s insurance policy, they will quickly pay your chosen reimbursement percentage.

Reimbursement Structure: Actual Cost

Minimum Reimbursement: 70%

Maximum Reimbursement: 90%

As with other top pet insurance companies, Pets Best allows you to choose the deductible amount that best suits your budget. Fully customizable pet insurance deductibles from Pets Best start at just $50 and give you the financial freedom you’re looking for, while also providing your pet with top-notch medical insurance.

Deductible Type: Annual

Minimum Deductible: $50

Maximum Deductible: $1,000

Just be sure to remember that a lower deductible and a higher reimbursement percentage will result in a larger monthly premium cost. But your payout will also be bigger, which means you get more bang for your buck with Pets Best.

Enrollment & Waiting Periods

Maybe you’re asking yourself, “Should I enroll my pet in Pets Best?” If so, one of the things you should keep in mind while shopping for pet insurance are the waiting periods and age restrictions that come standard with most providers.

Pets Best is one of the few pet insurance companies that allow dogs and cats to be enrolled at any age. And there aren’t any age limits on future policy extensions. They also offer some of the shortest waiting periods of any pet insurance provider, starting at just 3 days for accidents.

If your dog is suffering from the pains of hip dysplasia, Pets Best will help you pay for any necessary treatment or surgery after only 14 days of coverage, as long as there were no signs or symptoms of the condition prior to the end of the waiting period. This is a fraction of the industry standard waiting period of a year!

Illness Waiting Period: 14 days

Injury Waiting Period: 3 days

Cruciate Ligament Waiting Period: 6 months

Hip Dysplasia Waiting Period: 14 days

Worried about pet emergencies? If you have a dog or cat of any age without any pre-existing health concerns, we highly recommend you choose Pets Best as your pet insurance company, thanks to its short waiting periods for accidents or illnesses.

Claims & Customer Support

Pets Best offers in-depth support to their customers Monday through Saturday during MST business hours. You can reach a member of the Pets Best support team by phone, email, or live chat to get your pet insurance questions answered or check on the status of your pet’s policy.

You can submit any pet insurance claims to Pets Best via fax, email, or their user-friendly online portal from your computer or mobile device. And thanks to the option of direct deposit reimbursement, your Pets Best claim can be paid in as little as 5 days from the time you file it.

Pets Best also provides their customers with 24/7 access to expert veterinary advice through their Pet Helpline. This is a great resource for pet parents to have, especially during those late-night scares, when you’re not sure whether or not you need to head to the animal ER.

Pet Owner Opinions

As a part of our Pets Best review, we wanted to see what actual pet owners had to say. We turned to Facebook, Yelp, and Trustpilot to get some real info from Pets Best pet insurance customer reviews. Here’s what they had to say…

We’ve had doggy insurance for 7 years and Pet’s Best has been wonderful! We’ve never had any trouble with them. I simply fax my claim and they send me a check within a week. They’ve never hassled us for anything. I sent them a fax recently to let them know how wonderful they are and someone called me on the phone to thank me! Amazing. I wish our human insurance was this good. Thank you Pet’s Best staff! You guys are doing a great job! Sara B, Yelp 11/2/18

I am so happy we purchased pet insurance for our animals from Pets Best. It is a relief knowing they are there to cover vet bills when it is necessary to take them to the vet. Pets Best is efficient with the turn around times for claims. Thanks, Pets Best for making it possible for my pets to have happy, healthy lives. Val S, Trustpilot 12/23/18

I have had Pets Best Insurance for 2 years on both of my dogs. Recently, I had the experience of going through my first claims process. When I was shopping for pet insurance, Pets Best was the lowest price for the most amount of coverage that I found. I submitted my first claim a little over a week or so ago, and my claim was processed within a few days. I received payment to my bank account shortly after the payment was processed. My payment was what I had expected it to be, and my claim was covered, as I expected it to be.  I highly recommend Pets Best. The price of the policy is affordable, and the claims process was quick and headache free. I simply submitted my claim and the documentation for it online. Bailey M, Facebook 11/29/18

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The Good

As with all of our editor reviews, we put Pets Best through its paces, so you don’t have to waste your time or money while looking for the best insurance coverage for your pet. The following are some of our favorite Pets Best pet insurance benefits…

Routine Care Coverage

Pets Best offers their customers the chance to add preventative vet care to any pet insurance plan for under $30 per month. This additional pet wellness protection covers crucial routine vet care like spaying or neutering, annual vaccinations, and flea and heartworm prevention.

30-Day Satisfaction Guarantee

You can give Pets Best a try for a full 30 days without worrying about getting locked into an annual commitment. This gives you the chance to see if Pets Best is the right choice for you and your pet, and if you decide it isn’t, you’ll get your monthly premium back if you cancel within the first month of coverage.

Direct Payment Option

Most pet owners have been caught by surprise when their dog or cat has a medical emergency, and they don’t have the available funds to get them the life-saving treatment they need. With Pets Best, you can feel confident in knowing they’ll pay your vet directly if needed, instead of having to wait for funds to be reimbursed.

No Payout or Age Limits

Unlike other pet insurance providers, Pets Best doesn’t put caps on annual reimbursements or tell pet parents how old their fur babies have to be in order to enroll. You’ll get the good feeling that comes with knowing your dog or cat is covered, no matter their age or health problems.

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The Bad

While pet insurance from Pets Best does have some exclusions, like pre-existing conditions and no coverage for holistic therapies, their reasonable monthly premiums and available wellness plans make them one of the best pet insurance providers, in our opinion.

Although we found some plan costs can be increased down the road with slightly higher premiums, we were really impressed with there being no age limit for Pets Best enrollment or coverage extensions. If you have an older dog or cat, this feature from Pets Best can mean the difference between them getting all-important pet insurance coverage or not.

The Bottom Line

Even with some benefit limits, we found Pets Best to be one of the best pet insurance companies out there, thanks to low-cost monthly premiums, the addition of optional wellness plans, and customizable deductibles and reimbursement percentages.

If you have a pet of any age that you want to keep protected, we highly recommend choosing Pets Best for your pet insurance needs. You’ll get 24/7 access to expert veterinary advice, quick claims processing, and coverage even when you travel with your pet.

Looking for low monthly premiums and pet wellness coverage? Sign up for Pets Best today!

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