Expert Review

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Pets Best Review

39 reviews

In a Nutshell

Pets Best offers thorough coverage for your pet, including international and unlimited plans to keep your pet healthy and your costs low.

pros

  • Exam fees coverage
  • Unlimited plan
  • Flat rate accident plans under $10

cons

  • Some exclusions are vague
  • Annual limits may apply

Pets Best Pets Best Visit Site

Highlights

  • Most claims paid within 5 days
  • 24/7 claim pre-approval hotline
  • Worldwide coverage

Who is Pets Best? 

Pets Best was founded by a veterinarian who wanted to provide access to affordable health care for all pet parents. With accident coverage, wellness plans and a phone app, Pets Best excels at being there for its customers--the human, feline and canine ones. The company is make up of veterinary professionals and pet owners who understand the financial needs of animal medical costs. 

Pet's Best Knows Your Pet Matters

What You Get When You Choose Pets Best

Pets Best offers several pet insurance plans to suit your budget and pet: 

  • The Best Benefit Accident and Illness: an unlimited plan that pays your actual veterinary bill for unexpected incidents like emergencies and illnesses.
  • The Essential: a plan covering accident, illness, hereditary conditions, emergency visits, surgery and medication.
  • The Plus: a plan that gives you the same basic cover as the Essential plan, but also covers vet exam fees and rehabilitation expenses. It also includes physical therapy, hydrotherapy and even cold laser therapy.
  • The Elite plan is the same as the Plus plan, but it has a higher annual limit.

Wellness cover and full cover for congenital conditions are also available as upgrades to the listed plans.

Limits and Deductibles 

If you purchase a Pets Best policy, it’s possible to have no deductible or 70-90% reimbursement--the plans are flexible. The deductible is annual, which means that even though your first claim of the year won’t be refunded 100%, any further claims during that year past the deductible amount will.

Annual limits do apply, depending on your level of coverage. The Essential and Plus plans have an annual limit of $5000, which you may hit easily if your pet needs surgery or other large medical intervention. The Elite plan has an annual limit of $10, 000 or, upon request, $20,00. 

You can also utilize the unlimited plan, allowing you flexibility of treatment that may be best for your pet. 

How Much Does Pets Best Cost?

The cost of a Pets Best plan will vary depending on location, deductible, reimbursement level and the age of your pet. You can get accident only cover with a $200 deductible and 80% reimbursement for $9 a month, which is quite cheap.

You’ll get 5% off your premium if you insure more than one pet. 

Age Limits

Pets Best will not insure pets younger than 7 weeks old. However, they do not have any upper age restrictions. This makes Pets Best ideal if you’re thinking of buying pet insurance for your older pet for the first time.

Pets Best Pets Best Visit Site

The Fine Print: What Isn’t Covered By Pets Best 

Pets Best does not cover pre-existing conditions and non-veterinary expenses, including special diets. Pets Best also doesn’t cover preventable conditions, meaning in which a vet advised you to take precautions. Thankfully, Pets Best does have a pre-approval hotline for claims over $500. This is extremely helpful, as it allows you to quickly check whether something is covered before taking a decision on your pet’s care.

Conclusion

Pets Best offers a reasonable level of cover, but the annual limits on most plans don’t make it the best option out there. However, the claims pre-approval service is very helpful should you need to make an emergency decision about your pet’s care.

Pet insurance offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (APIC) or Independence American Insurance Company (IAIC). 

 

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

Pets Best customer reviews

Based on 39 reviews

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03 Jul 2020

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Top reviews

E***e, GA
8 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Great company with paying out claims. Processing time is a little long sometimes but very happy otherwise

K***i, NJ
9 months ago

Great quality for money. Love having insurance on my pet. Makes me feel safe for him. Thankful.

L***a, IL
6 months ago

It really helps with my pet health insurance. I would recommend it to all my friends and family.

J****e, PA
4 months ago

I have used this insurance three times in one year. My cat almost died. I submitted the claims. And within two business days, they paid and reimbursed me. I had to call them and ask him a question and was treated with kindness

M**y, VA
5 months ago

Wonderful customer service. Easy to get reimbursed. They will help you navigate the whole process.

M***n, TX
7 months ago

They have great coverage options and help you find the best care suited for your fur baby.

B*****n, FL
3 months ago

They are always there and always have your pets best interest at heart have great rates and customer service

B****e, WI
2 months ago

They covered so much more than we thought. We are so happy with their services. It is easy to submit a claim and their turnaround is quick

R***e, TX
4 months ago

Because I am happy and content for the results . I like it because very easy and no hassle. Nothing to dislike.

S****a, MA
4 months ago

I have used them over many years for all my animals and how found they are easy to submit a claim, have great response time and good customer service.

E***, HI
4 months ago

Excellent customer service, and very quick to process claims and explain why certain portions are not covered.

M****l, FL
2 months ago

I have used them many times. They have fairly good value than others. And they have very good pet service

H***y, TX
9 months ago

I gave the score it did because It's cheap and also affordable it fits right into my budget. It has good coverage and the people are great very friendly and takes care of all your questions.

A***, MA
7 months ago

They cover everything I need them to, but they are very expensive. I don't need all the services/coverage I actually pay for.

C****n, NC
9 months ago

They provide the best possible care and food for my animals which is very good .

A*****e, MD
5 months ago

They are costly but easy to use. Claim processing is easy. However, the refunds tend to take a while

J*****y, TN
5 months ago

Good customer service listening to all concerns I have about the health issues of both our cats.

L**i, TX
7 months ago

It is reasonably priced and has good coverage for my dog

T***a, NM
8 months ago

Easy to get and use. Covers a lot of areas. Protection for my babies at a low cost. Website is easy.

M***y, FL
9 months ago

Their reimbursement system works well; however I think the monthly cost is too high. I am considering letting this insurance lapse until my cats are older.

39 reviews