Pets Best Pet Insurance Review (2024)

This table is not a comprehensive summary of covered services. Please see your policy documents or contact the company to learn more.

Available Riders/Add-Ons

The Pets Best BestBenefit plan offers three levels of care: Essential, Plus, and Elite. The highest level, Elite, provides all benefits offered by Pets Best, including coverage for accidents, illnesses, cancer, hereditary conditions, emergency care, surgeries, medications, exam fees, and rehabilitative care.

Pets Best offers two optional wellness plans: Essential and Best. With the Essential Wellness plan, the maximum annual benefit is $305. With the Best Wellness plan, the maximum annual benefit is $535.

Waiting Periods

Like other companies, Pets Best has waiting periods before accidents or injuries are covered, and these periods vary by the policy you choose and the state in which you live.

Cancellation Policy

Pets Best offers a 30-day free look period to give you a chance to try a plan. You can cancel your policy within that period and receive a full refund of all premiums paid.Once the free look period ends, you can cancel your policy by contacting Pets Best. You’ll be issued a prorated refund based on the cancellation date.

Plan Exclusions

Like other insurers, Pets Best doesn’t cover pre-existing conditions. It also excludes bilateral issues, meaning if your pet is diagnosed with a condition on one side of the body, such as a torn ACL or cataracts, treatment for the other side will not be covered.Pets Best’s policies don’t cover foods, vitamins, diets, or supplements.

Pre-Existing Conditions

Pets Best defines a pre-existing condition as any issue evident during the 18 months before your pet was enrolled in a policy. Any conditions diagnosed during that time, or the policy waiting period, are pre-existing and excluded from coverage.

Plan Pricing

BestBenefit Plans covering injuries and illnesses are priced by breed, age, and location. Accident-only plans average $9 monthly for dogs and $6 monthly for cats. Optional wellness riders range from $16 to $26 per month.

For accident and illness and accident-only plans, choose a reimbursem*nt percentage of 70%, 80%, or 90%. Annual deductibles range from $50 to $1,000.In general, we found Pets Best’s premiums in line with industry averages based on average costs for three pets, and the company offers a 5% multi-pet discount.

Claims

You can submit a claim through the customer portal (online or in the mobile app) or you can download the form and submit it by email, fax, or mail. Submit the veterinary invoice and, upon request, supply all of your pet’s medical records.

If your claim is approved, reimbursem*nt will be sent via check or direct deposit. You can also request that Pets Bestpay your vet directly.

Customer Service

Pets Best’s customer service center is available via phone or chat.

Customer support can be reached by phone at (877) 738-7237 during the following hours:

• Monday through Friday, from 6 a.m. until 7 p.m. MST
• Saturdays from 6 a.m. until 2 p.m. MST

Third-Party Ratings

Pets Best’s policies are underwritten by the American Pet Insurance Company (APIC). APIC has been evaluated and rated by Demotech, a credit rating agency focused on insurance companies. APIC has an “A” rating, meaning it is likely to be able to honor current and future claims.

Customers generally have positive things to say about Pets Best, and have received many positive reviews on third party sites.

We found similar opinions in our independent survey of pet insurance customers. One Pets Best client said they chose it due to its “pricing and ease of signing up.” Another chose it for the prices and coverage options.

Alternative Choices

Many companies offer pet insurance, and they all have different policy structures, exclusions, and rates. As you compare insurers, consider the following variables to make an informed decision:

• Payment method: Claims are usually handled through reimbursem*nt, where you pay for care when it's provided and then submit a claim. Some providers, including Pets Best, will pay your veterinarian directly.
• Exclusions: Each insurance company has its coverages and exclusions, so read the policy documents carefully to ensure you get the coverage you need.
• Waiting periods: Most pet insurance companies have waiting periods before treatment is covered. Waiting periods can range from a few days to several months.
• Annual and condition limits: Pay attention to benefit limits. Some companies have annual or lifetime limits, while others have per-condition limits that cover a certain amount for illnesses or injuries.

Competition