Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 29, 2021

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What’s New In 2021 For Pets Best Pet Insurance?

How Has Covid-19 Affected Pets Best Pet Insurance?

Pets Best Pet Insurance has not seen significant disruptions as a result of Covid-19. As they explain on their site, they’ve been able to let almost all of their employees work remotely for the duration of the pandemic.

However, while they’ve avoided direct impacts, there are some significant indirect impacts that are worth mentioning. The first is the general disruption of the insurance market thanks to so many people being out of work. Put simply, there are fewer customers who can afford insurance, so their revenue is almost certainly down.

The second indirect impact is the increasing focus on digital tools and direct deposit reimbursement. Companies always support this, but fewer people in the office means physical mail processes much slower.

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New Products Or Changes

Pets Best Pet Insurance has made some minor changes to their policies, mostly focusing on additional payment options and extended grace periods due to financial hardship. They’ve also announced a willingness to consider customized payment arrangements (see previous link), though you’ll have to contact them directly for that.

Pets Best Pet Insurance In The News

Pets Best Pet Insurance has not made any particular news lately. While they’re not especially notable as a company, they have shown up in Business Insider as one of several insurance options they compared. According to that review, Pets Best Pet Insurance is roughly average in its pricing.

2021 Latest Pets Best Pet Insurance Reviews

Investopedia gives Pets Best Pet Insurance a 3.9/5, with their review last updated in January 2021. They like the low premiums, direct veterinarian reimbursement, and flexibility in coverage options, but dislike the lack of end-of-life expenses and the complicated repayment structure.

Canine Journal offers a review last updated in March 2021, and they give it a 4.25/5. This reviewer is particularly fond of the policy coverage and plan customization options, including the great pricing and the lack of lifetime limits on each plan.

They’re less impressed by claim payments, though, citing longer average repayment times than many other insurers allow. 

Trustpilot gives them an average of 4.0, based on 1,749 reviews from people as of mid-April 2021. Of these, 73% of the reviews are excellent, while 11% are bad. Reviewers on Trustpilot frequently cite the ease of processing claims as a reason to like it, while complaints usually cite the slow payouts as a big drawback.

That’s consistent with Canine Journal’s opinion, and it’s always nice to see reviews corroborating each other.

Finally, Consumers Advocate gives this company a 3.9/5 (Very Good) score. They like the coverage and extras the most, but aren’t quite as fond of the pricing model.

Americans are highly likely to be pet owners. Both emergency care and vet visits costs can quickly add up, especially if your pet has a chronic condition.

We’ve assed negative experiences, read the fine print, and ranked Pets Best as the 3rd best overall pet insurance provider.

With the home base located in Boise, Idaho, Pets Best reviews from real customers consistently mention fast payment times (less than 5 days!) and flexible coverage.

Founded by Dr. Jack Stephens in 2005, Pets Best was the first pet insurance company in North America. Let’s dive deep into the Pets Best pet insurance review.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

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Pets Best Coverage Options


Pets Best offers Accident-Only and Accident & Illness insurance coverage. They also have a Routine Care plan that offers routine care coverage with two wellness plan options. This covers the wellness exam and other costs like a microchip, teeth cleaning, vaccines, spay/neuter, and flea and tick medicine.

There are 3 Accident & Illness plans:

  1. Essential
  2. Plus
  3. Elite

And there are important differences between the plans.

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Pets Best Essential Plan

Pets Best Essential plan is a very basic plan with a low $5,000 annual coverage limit.

We do not recommend this plan as it can be quite a hassle.

Just a single vet emergency can cost $20,000…and this plan would only cover a fraction of it! Once that $5,000 is paid, no other medical expenses would be covered for the rest of the year.

Pets Best Plus plan offers $10,000 in annual coverage. It includes vet exam fees for accidents and illnesses.

This is a great benefit since most pet insurance companies don’t reimburse exam fees.

The Plus plan also covers rehab, chiropractor, and acupuncture.

We like that these Pets Best includes these alternative treatments in the cost of pet insurance. Some insurers only cover such treatments as part of a wellness plan that costs extra. Healthy Paws is another provider that we reviewed that offers alternative treatments.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Pets Best Elite Plan

The Elite plan is our Pets Best top choice. It covers exam fees and alternative treatments, with UNLIMITED annual coverage.

We believe unlimited coverage is necessary since the cost of veterinary care is so high.

If you’re going to invest in pet insurance, you want to make sure it covers any accident or illness your pet might have throughout the year.

Wellness Plans

Pets Best also offers two tiers of wellness plans that can be added to these policies at an additional cost.

The coverage includes blood work, dental cleanings, spaying/neutering, and all the other routine treatments in their daily life.  The Elite plan even offers additional supplemental coverage that includes rehab therapies, chiropractic, and acupuncture.

Accident-Only Coverage

Pets Best offers Accident Only coverage for those on a limited budget that want great coverage for things like broken legs, snake bites, accidental swallowing, and more.

Accident only plans do not cover medical issues such as illness or cancer treatments, which are covered under our BestBenefit Accident and Illness Plans.

Hereditary and Congenital Conditions Coverage

Pets Best, like all the top providers, covers hereditary and congenital conditions including hip and elbow dysplasia, glaucoma, epilepsy, IVDD, luxating patella, and cherry eye.

Other Coverage and Treatments

Pets Best also includes the following for your dogs and cats:

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency and Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Physical Therapy
  • Prosthetic and Mobility Aids

Similar to the top pet insurance companies, Pets Best also covers treatments for cancer, diabetes, and chronic or hereditary illness.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

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Benefit Limits

Pets Best’s offers unlimited benefits on its top tier Elite plan. The other two plans have an annual benefit limit of just $5,000 which can occur easily with one hospital visit.  Other pet insurance providers such as Healthy Paws offer unlimited benefits in all their plans as do other pet-insurance companies.

The higher benefit level, as always, means the higher premium.

Reimbursement Method

Pets Best gives you the option of setting your reimbursement at 70%, 80%, and 90%. This is a consistent feature of the best pet insurance providers.

PetsBest also pays out on the actual vet bills as do the other top providers.

Pets Best plans do not use a benefit schedule, which is a list that puts a limit on what each type of treatment can cost.

Instead, they reimburse you on your actual vet bill after the deductible you choose, up to your plan’s maximum benefit, and the reimbursement percentage that you choose.

As with deductibles, the higher the monthly premium, the more you will get reimbursed for that claim.

Deductible Types

Pets Best operates on an annual deductible (our preferred because it only hits once a year) and offers flexibility among its deductible options and range from $50, $100, $250, $500 up to $1000.

Not many other pet insurance providers offer the option of such a low deductible.

By choosing a higher deductible will lower your monthly plan price, but it means your out-of-pocket costs will be higher when your pet needs vet care.

Choosing a lower deductible will increase your monthly price, but will lower your out-of-pocket costs.

Pets Best offers a wide variety of deductible options so your plan is personalized to fit your budget and your dog or cat’s specific needs.

The wellness plans are a nice add-on because you don’t have to meet a deductible and get reimbursed from your first visit.

Wellness plans offer routine check-ups, vaccinations, spaying and neutering, and even dental cleaning.

However, you can always pay these routine costs on your own as they are not that expensive.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

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How Much Does Pets Best Pet Insurance Cost?

Pets Best’s lower-tiered plans are competitive, while their comprehensive Elite plan can be a bit pricey. 

Although the high end, an all-inclusive elite plan can run $60-$70 a month.

And the less expensive of the wellness add-ons is an extra $16. So you can really budget according to your pets’ needs.

Plans for dogs currently start around $30 and cat plans start around $17.

You can purchase an accident only plan for less than $10 a month which is a nice addition if you have a small budget and just want an emergency fund for your pet.

The pricing for the accident only plans is $6 per month for cats, and $9 per month for dogs, for all ages and breeds.

This can be helpful if you have a senior dog or cat and just want some coverage in case of something unforeseen occurring.

When you enroll more than one pet, you can earn up to a 5% discount for each additional pet.  And there is a 5% discount for the military.

Cost Of Pets Best Insurance vs Health Paws and Competitors

While Pets Best has some competitive pricing, Health Paws prices can’t be beaten if you have a mixed breed dog 2 years old and under. 

See how Pets Best vs Healthy Paws and others faired:

Pets Best vs Pet Plan Pet Insurance

Healthy Paws vs Pets Best

How To File A Claim with Pets Best

Pets Best provides an unusually fast claims processing, especially through their mobile app, often paying claims within 3 to 5 days.

Customers can accelerate their claims by submitting them electronically through their online portal which allows you to see the status of your claim.

You do not have to have a vet exam or medical records to file a claim.

You can also set up a direct deposit to get paid directly back into your banking account, or request that they pay your vet directly which is a great option to have!

Pets Best will not raise your premium due to the number or types of claims made within a given year which is nice and also a feature of Pets First and a nice bonus.

Pets Best also features a 24/7 veterinary support line for all customers.

You can get the answers to all your pets health questions at any time of day with their 24/7 Pet Helpline powered by whiskerDocs®.

The veterinary experts at whiskerDocs are available to help educate and provide advice and decision support to pet parents by phone, live chat, and email, from urgent care to behavioral questions.

Petplan is one of the other top providers that offer a 24/7 Pet Helpline.

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Enrollment and Waiting Periods of Pets Best

Pets Best is one of only a few companies to allow enrollment at any age. What’s more, there are no age limits for policy extensions as well.

The waiting period is 14 days illnesses after the effective date and 3 days for accidents and routine care can be used the day after you enroll, and 6 months for cruciate ligament events and any related conditions.

The starting age of enrollment for puppies and kittens is 7 weeks old.  And there are no enrollment fees so your coverage starts almost immediately.

The waiting periods are waived for continuous, uninterrupted policy renewals.

As is standard to most pet insurance providers, Pets Best gives you a 30 day free-look period. The free-look period means that if you change your mind after enrolling, you can get a full refund. 

This helps if you are not sure if your dog or cat’s illness is a pre-existing condition and have time to confirm.

Pets Best customers rated their customer service 10/10.

Overall, our reviewers found Pets Best plans to be a smart investment for pet parents. Based on excellent customer service reviews and solid coverage, our reviewers gave Pets Best an overall grade of A-.

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Pets Best Customer Reviews

Average customer review: 4/5

“Pets Best saved my Labrador”

My boy was crying in pain and collapsed on the floor. He was rushed into emergency surgery on his neck and the ordeal was so expensive. Pets Best refunded me right away. I could not have afforded to take care of my dog without Pets Best. Thank you.
[star rating=”5″]
Pet Parent of a Chocolate Lab
Raleigh, NC

“Pets Best is the Best Insurance”

As a senior citizen, my income is low and fixed. If something were to happen to my Corgi, I would not be able to afford it. Having this pet insurance policy gives me peace a piece of mind knowing that she’s safe and protected against unforeseen medical emergencies.
[star rating=”5″]
Pet Parent of a Welsh Corgi
Jacksonville, FL


How long has Pets Best been in business?

Pets Best has over 30 years of experience in providing pet insurance.

If my pet is sick or injured now can Pets Best help?

Unfortunately, no pet insurance plan, including Pets Best, covers pre-existing conditions.

They only cover future accidents and illnesses.

What is my deductible with Pets Best?

You can choose an annual deductible from $0 to $1000.

The lower your deductible is, the higher your monthly payment will be.

How much does Pets Best reimburse?

Reimbursement amounts are 70%, 80%, 90%, or 100% of the total vet bill.

Are there any limitations with Pets Best?

Plans are subject to annual reimbursement limits of $10,000 per year on the Elite Plan and $5,000 per year on both the Essential & Plus plans.

Similar to most insurance providers, Pets Best will not enable coverage on the following: pre-existing conditions, routine veterinary visits, pre-existing cruciate ligament problems to one leg as respects the cost of future treatment for problems of the other leg, preventative care, spaying and neutering, preventive health care including vaccinations or titer test, flea control, heartworm medication, deworming, nail trim, and grooming.

They don’t offer any holistic plans or alternative therapies such as hydrotherapy and chiropractic (even as an additional add-on) like other pet insurance providers such as Healthy Paws.

Does Pets Best cover dental cleanings?

The BestBenefit plans include coverage for periodontal disease and other dental issues if proper preventative care has been provided before the policy begins.

However, they will cover under all plans any dental work that was caused by an accident or illness as do most pet insurance companies.

Will the monthly premiums increase as your dogs and cats increase in age?

As they age, pets do face an increased risk of cancer, heart disease, kidney failure, and other problems of aging.

Prices increase as your pet ages to cover the increased veterinary costs associated with growing older which is typical of all the pet insurance companies.

How does the renewal process work?

Your policy will renew automatically each year on your policy effective date.

If you don’t want to renew, you need to let them know via email, phone, or fax and they can have your policy ended that same day.

Does Pets Best have an upper age limit for dog and cats?

Pets Best has no upper age limits, so you can insure your dog or cat at any age over 7 weeks.

As your pet ages, more medical problems may develop and the need for pet health insurance will likely increase. Chronic disorders and medical problems that wouldn’t be dangerous when young can easily be life-threatening as your pet grows older.

It is always recommended to insure your pets when they are young.

How does Pets Best compare to the other pet insurance companies?

If you want to see a quick look at all the different pet insurance companies and what they offer, take a look at our comparison chart to see them compared in one table.

How can you get in touch with Pets Best by phone?

Customer service is available between 7 AM and 7 PM Monday – Friday, or 10 am – 2 pm Saturdays, Mountain Time.

They also have a live chat button on the top of each page to chat live with customer care or sales agents.  Their phone number is 1-877-738-7237.

Now that you know a lot more Pets Best, make sure to give them a call and see if they are the right insurance company for you.  You can also go to their site to get more information.

What do other review focused companies say?

Looking for even more perspectives? Smart move!

Don’t just take our word for it, check out the well-regarded company, Consumers Advocate, for an alternative review of Pets Best pet insurance.


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

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Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!