Pets Best Insurance Review (2025)

Founded in 2005 by veterinarian Dr. Jack Stephens, Pets Best Insurance was created with the mission to provide pet owners with the financial support needed to offer the best care for their pets. Over the years, the company has become a trusted name in the pet insurance industry, known for offering comprehensive coverage, flexible plans, and user-friendly policies. Pets Best’s commitment to making pet care more affordable and accessible, along with its reputation for exceptional customer service and easy claims processing, makes it a reliable choice for pet owners seeking to protect their pets’ health.

Key Benefits and Reputation

• Comprehensive Coverage: Pets Best offers a wide range of coverage options for illnesses, accidents, surgeries, and more. They focus on providing coverage that ensures your pet receives the best medical care possible, regardless of the situation.
• Flexible Policies: One of the standout features of Pets Best is the flexibility of its plans. With customizable deductibles and reimbursement rates, pet owners can tailor their policies to their needs and budget.
• Affordability: Pets Best is consistently praised for its competitive pricing, making it an attractive option for pet parents who want reliable coverage without breaking the bank.
• Reliable Claims Processing: Pets Best is known for quickly processing claims and providing excellent customer service, which is often highlighted in user reviews.

For pet parents looking for a trusted, affordable, and dependable provider, Pets Best Insurance consistently earns high marks in terms of value and reliability.

Coverage for Pets

Pets Best Insurance offers an impressive suite of coverage options designed to meet your pet’s unique health needs. Whether you have a puppy, kitten, or an older pet, Pets Best provides coverage options that can protect them throughout their lives. Here’s a breakdown of the coverage you can expect:

Types of Coverage

1. Accidents and Illnesses: Pets Best covers both accidents (like broken bones or swallowed objects) and illnesses (like cancer or infections). The plan is designed to help cover the cost of unexpected injuries and health problems, ensuring your pet gets the care they need when it matters most.
2. Surgeries and Hospitalization: If your pet requires surgery or a stay at the veterinary hospital, Pets Best helps cover these costs. This includes major surgeries, specialist care, and hospitalization for both routine and emergency treatments.
3. Ongoing Treatments: Pets Best doesn’t just cover one-time treatments. They include coverage for ongoing treatments like diagnostic testing, physical therapy, and specialist care, ensuring that pets receive the necessary follow-ups and long-term treatment they need to recover fully.

Hereditary and Congenital Conditions

One of the biggest advantages of Pets Best Insurance is that it covers hereditary and congenital conditions. Conditions such as hip dysplasia, heart disease, and eye problems (common in specific breeds) are covered, as long as they are not pre-existing. Many other pet insurance providers exclude hereditary conditions, which makes Pets Best a great choice for pet owners with breeds prone to genetic issues.

Alternative Therapies

Pets Best goes beyond traditional treatments to cover alternative therapies like acupuncture, hydrotherapy, and chiropractic care. These treatments have gained popularity in recent years for their effectiveness in treating chronic pain and improving mobility in pets. By covering these alternatives, Pets Best provides more holistic options for your pet’s well-being.

What’s Not Covered

Like most pet insurance providers, Pets Best has certain exclusions:

• Pre-existing Conditions: Pets Best will not cover any health conditions that your pet had prior to enrolling in a policy.
• Cosmetic Procedures: Non-essential procedures like elective surgeries or grooming are not covered.
• Breeding Costs: Any medical expenses related to breeding or pregnancy are excluded from coverage.

It’s important to review your pet’s medical history and ensure that no pre-existing conditions are present at the time of enrollment to avoid surprises later.

Plans and Pricing

Pets Best Insurance offers two primary plan types, giving pet owners the flexibility to choose coverage that aligns with both their pets’ needs and their budgets.

Plan Options

1. Accident-Only Plan: This plan covers injuries resulting from accidents, such as broken bones, swallowed objects, or bites. It’s a great option for young, healthy pets at lower risk of illness and is typically more affordable than a full coverage plan.
2. Accident and Illness Plan: The most comprehensive option, including coverage for accidents, illnesses, surgeries, and more. This plan is ideal for those who want full coverage for both injuries and diseases, ensuring peace of mind in case of any unforeseen health issues.

Flexible Deductibles

Pets Best allows you to customize your deductible to a level that suits your budget. Deductibles range from $50 to $1,000, and choosing a higher deductible can lower your monthly premium. On the other hand, a lower deductible will offer greater upfront coverage. This flexibility allows pet owners to create a policy that fits both their pets’ needs and their financial situation.

Factors Impacting Cost

The cost of your policy will depend on a variety of factors:

• Pet’s Age, Breed, and Location: Older pets and certain breeds may cost more to insure, especially those with higher health risks.
• Level of Coverage: The more comprehensive your coverage (e.g., Accident and Illness), the higher your premium.
• Deductible and Reimbursement Percentage: You can choose from different reimbursement levels (70%, 80%, or 90%), which will affect your monthly premium.

Average Costs

On average, dog owners can expect to pay between $25-$45 per month, while cat owners generally pay between $15-$25. These rates are competitive compared to other top pet insurance providers, making Pets Best an affordable option for pet owners looking to balance cost with comprehensive coverage.

Preventive Care Add-ons

For those looking to stay on top of their pet’s routine health needs, Pets Best offers preventive care add-ons at an additional cost. These add-ons help cover the cost of routine exams and preventive treatments, ensuring your pet stays healthy and avoids serious health issues in the future.

What Add-ons Cover

These add-ons include coverage for:

• Vaccinations: Ensuring your pet stays up-to-date on their shots.
• Annual Exams: Regular check-ups to monitor your pet’s health.
• Flea/Tick Prevention: Medication to protect against parasites.
• Heartworm Medication: Preventing heartworm disease.
• Dental Cleanings: Keeping your pet’s teeth clean and healthy.

Why Preventive Care Matters

Adding preventive care to your policy is a smart way to save money in the long run. By covering routine expenses like vaccinations and annual exams, you can avoid larger veterinary bills down the road. Regular check-ups can also help detect health issues early, improving your pet’s overall quality of life.

Claims Process and Reimbursements

One of Pets Best Insurance’s standout features is its streamlined claims process. With various submission methods, including an online portal, mobile app, and email, submitting claims is quick and easy. Here’s how it works:

Submitting a Claim

1. Online Portal: Upload vet invoices through your Pets Best account for quick processing.
2. Mobile App: Snap a photo of your receipt and submit it directly through the app for immediate review.
3. Email: For those who prefer traditional methods, you can email your documents directly to Pets Best.

Reimbursement Timeline

Pets Best typically reimburses claims within 5 to 14 business days, depending on the complexity of the claim. Most users report a smooth and timely claims process, with many receiving reimbursements faster than they expected.

Payout Options

You can choose to receive reimbursements via direct deposit or by check, offering flexibility based on your preferences.

Customer Support

Reliable customer support is crucial when dealing with something as important as pet health. Pets Best delivers on this front by offering multiple channels of communication to ensure that pet owners get the help they need when they need it.

Support Channels

• Phone Support: Get immediate help by calling the customer service team.
• Email Support: Reach out for assistance with non-urgent queries.
• Live Chat: Instant support for common issues through their live chat feature.

Online Resources

Pets Best also provides a comprehensive library of FAQs, articles, and other helpful resources designed to educate pet owners about their policies, claims process, and general pet health topics.

Customer Testimonials

“I’ve never had to chase them to process a claim—their team is quick and professional!” – Sandra T.

“Pets Best has saved me so much time and worry. Their support team walked me through everything when I had questions.” – Mike D.

This level of service ensures that you’re always in good hands when you need help the most.

Conclusion

If you’re a pet owner looking for reliable and affordable insurance, Pets Best ticks all the boxes. With comprehensive coverage, flexible pricing, and a smooth claims process, it offers everything you need to ensure your beloved pet gets the best care possible.

Whether you’re a first-time pet insurance buyer or shopping for better options, Pets Best stands out as an excellent investment in your pet’s health—and your peace of mind.