Pets Best Pet Insurance Information & Review: Everything You Need To Know

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General Information
How Much Does It Cost?

General Information

Pets Best Insurance Services was founded in 2005 by Dr. Jack Stephens, the "father" of the pet insurance industry, who launched the first pet insurance company in North America. Pets Best offers and administers pet health insurance underwritten by American Pet Insurance Company or Independence American Insurance Company.

The team at Pets Best Insurance Services is comprised of pet owners and pet lovers, many of whom have veterinary backgrounds and are involved with animal rescue - and the team aims to end economic euthanasia by helping pet owners prepare for unexpected vet bills.

They further their mission by partnering with the Idaho Humane Society, Pet Peace of Mind, Pet Lifestyle And You (PLAY), among other pet charities.

Pets Best Insurance Services offers fast claim reimbursement (typically paid in five days or less), optional Vet Direct Pay, flexible coverage options, and a 24/7 Pet Helpline.

What kinds of pets are eligible for Pets Best pet insurance?

The Pets Best insurance company offers dog insurance and cat insurance plans to cover your pet’s unexpected veterinary bills and treatment costs for injuries, illnesses, and other health issues. All domestic dogs and cats in the U.S. (irrespective of breed or age) are eligible for Pets Best unlimited annual plans.

What insurance plans are available through Pets Best Pet Health Insurance?

Pets Best provides comprehensive coverage for the unexpected through their BestBenefit pet health insurance plans. Plans include pet insurance for dogs and pet insurance for cats. In addition to medical insurance for cats and dogs, routine care coverage can be added to any illness or accident plan to pay for your pet’s regular vet visits, spay/neuter, dental cleaning, and more.

Key Takeaways

Avoid paying out-of-pocket by signing up for their Vet Direct Pay
Fast, 5 Day Claims Processing
Get the support you need with their 24/7 Pet Helpline.
Lets you choose your own vet.
Will not raise the price of your policy because you file a claim.
Like all pet insurance companies, they cannot cover pre-existing conditions.

How Much Does It Cost?

Pet insurance prices for Pets Best Pet Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare Pets Best to other leading pet insurance brands for free.

When purchasing pet health insurance, the cost of monthly premiums depends on your dog’s age, breed, location, and the reimbursement options of the policy you select. Pets Bests pet insurance offers a wide range of insurance plans to fit your budget. The average monthly premium begins at $11.22 and goes up to over $59.66, depending on unique factors.

For instance, a dog insurance plan for a 4-year old, female Yorkshire Terrier in New York City cost more than a cat insurance plan for a 2-year old female Mixed Breed Cat in Chicago.

Use Pawlicy Advisor to guarantee the best price and compare Pets Best to other leading pet insurance brands for free.

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What makes Pets Best pet insurance worth it?

Pets Best offers one of the shortest waiting periods. Fourteen days for illnesses, three days for accidents, and six months for cruciate ligament events. Instead of a cheque in the mail, they deposit the funds directly to your bank account. Choose from multiple plans to fit any budget, including an option for preventative care coverage.

There’s a special “Accident Only Plan” that covers your pet in case of emergencies. It has a $250 deductible, 90% reimbursement, and a $10,000 annual limit. The major feature that stands out is the full coverage, even when your dog or cat isn’t spayed or neutered. These benefits make Pets Best worth it for many pet parents.

Unlike most pet insurance companies, Pets Best doesn’t require a vet exam or medical record to enroll or file a claim! They promise to pay out approved claims for vet bills within five days.

How does the price compare to other plans?

Pets Best total monthly premium is inexpensive when compared to other options. If you want more flexible options, you can use Pawlicy Advisor to find and compare a range of Pets Best coverage options with context on why they’d be recommended for you.

Important Information to Know About Pets Best Pet Insurance

How good are Pets Best pet insurance reviews?

As of 2020, Pets Best reviews have an average rating of 4 out of 5 on Trustpilot (from 1,094 reviews).

*Keep in mind that pet insurance reviews only offer a shade of context. Simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet, location, and financial standing. To get a data-driven, personalized recommendation, you can use Pawlicy Advisor’s free policy scanner.

Have an existing Pets Best policy? Write a review to help other pet owners.

What to know before investing in Pets Best pet insurance

  • Dogs and cats must be at least 7 weeks old. No maximum age limit.
  • 14-day waiting period after your pet policy effective date
  • Chronic conditions that present signs or symptoms before the effective policy date are not covered.
The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.

When should you consider insurance for your pet?

The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.

Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.

Customer Service

Get answers to your pet health questions with Pets Best 24/7 helpline. Veterinary experts are available day or night to provide advice, educate, and help you make decisions regarding your pets via live chat, phone, and email. The 24/7 Helpline is valued at $100 per year and is included as part of your pet insurance policy.

Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.

Discount Opportunities

How can you receive a discount on Pets Best pet insurance:
A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.

What's Covered

Through the BestBenefit plan, Pets Best offers comprehensive pet insurance cover that pays your veterinary bills for unexpected incidents like illnesses and emergencies.

BestBenefit Accident and Illness Plans cover cancer treatment, hereditary conditions, congenital conditions, prescription medication, older pets, full coverage even when not spayed/neutered, prosthetic devices, and coverage while traveling.

Like most pet insurance companies, pre-existing conditions, elective procedures, treatment of parasites, and experimental therapies/medications aren’t covered under Pets Best insurance plans.

List of treatment and conditions covered by Pets Best Pet Insurance plans


Use Any Vet

Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.



Coverage includes chemotherapy and radiation treatment.

Breed-Specific Conditions

Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.
Knee Injury


Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
Dental Coverage for Periodontal Disease
Dental Coverage for Deciduous Teeth, Cysts, Enamel, and Unerupted Issues.

Supplements For Covered Conditions

Supplements prescribed or dispensed by a veterinarian to treat a covered condition.

Vet Labor

Costs for the veterinarian's time consulting and overseeing your pet's treatment.


Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
Blood Tests
Exam Fees for a Covered Occurrence

Exam Fees

Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.

Prescribed Foods + Medication

Prescription medications are approved by your vet for the treatment of your pet's ailment.
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Foods prescribed by your veterinarian for general health maintenance or prevention.

Alternative Therapies

The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).


Stem Cell Therapy
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Reimbursements for advertising costs for a lost pet.
Reimbursements for offering a reward for a lost pet.
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

Behavioral Issues

A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Costs and payments related to obedience or training classes, including puppy classes.
Costs and payments related to training for behavioral disorders.
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.


*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.

Routine Care Addons

Pet wellness plans and routine care coverage for cats and dogs help pay for scheduled veterinary visits such as annual exam fees, shots, and vaccinations.

Pets Bests offers two tiers of wellness coverage that can be added to your dog or cat insurance plans for an additional premium when you sign up within 30 days of enrolling or during your annual renewal.

Essential Wellness

Spay/Neuter - Teeth Cleaning




Flea/Tick Prevention


Heartworm Prevention




Wellness Exam


Heartworm test or FELV screen


Blood, fecal, parasite exam




Urinalysis or ERD




Best Wellness

Spay/Neuter - Teeth Cleaning




Flea/Tick Prevention


Heartworm Prevention




Wellness Exam


Heartworm test of FELV screen


Blood, fecal, parasite exam




Urinalysis or ERD




What's Not Covered

Like other pet health insurance plans, Pets Bests has some exclusions to keep prices affordable. Exclusions include:

  • Pre-existing conditions that begin before the policy’s effective date or during the waiting period
  • Preventative care
  • Elective procedures like tail docking, feline declawing, and anal gland expression
  • Treatment and prevention of parasites
  • Special diets
  • Herbal, experimental and holistic therapies

However, note that acupuncture, chiropractic care, physical therapy, cold laser therapy, and hydrotherapy are not considered experimental or holistic therapy - and are in fact covered in most of their accident and illness plans.

Prescription coverage is limited to medications covered by Pets Best formulary list.

Claims Reimbursement

What information do you need to submit your claim?

  • Signed claim form
  • Original paid invoices
  • Proof of payment such as credit card receipt

Pets Best recommends asking a staff member at your pet clinic to help you complete the veterinarian notes section of your claim form.

How long might it take for your claim to be reimbursed?

The fastest way to receive a claim is by choosing to be reimbursed via direct deposit. Payment will be made within two days after Pets Best has processed your claim. If you didn’t sign up for the direct deposit, expect to receive a paper cheque in the mail within 5-7 days after claim processing.

To submit your claim, the following information is needed:

You must file a claim and supporting paid invoice(s) within 180 days of the treatment date. For the fastest and easiest claim filing experience, please log into your Customer Account at and use the electronic claims upload process to submit your documents. Alternately, you can download a personalized claim form from the Customer Account, or you can contact the Customer Care center at 877-738-7237 and Pets Best Insurance Services will mail, email, or fax one to you. Pets Best Insurance Services may require complete medical history/records associated with your pet to process our claim. 1. At Pets Best Insurance Services' request, you agree to provide all of your Pet's medical history/records. 2. You authorize Pets Best Insurance Services, at the time of enrollment and any time after to contact any and all veterinary clinics or hospitals to obtain all available medical records that exist for your pet. 3. You authorize any and all veterinary clinics or hospitals to release to Pets Best Insurance Services all medical records that exist for your Pet.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.

Cancellation Information

You may cancel your policy by notifying Pets Best Insurance Services with a call, online chat, or in writing via mail, fax, or email. Any unearned collected premium will be refunded pro rata. The number of days after your policy's effective date that a cancellation can be requested varies state by state so please review your specific policy for additional information. If a cancellation is within your policy's grace period, Pets Best will refund 100% of any premium paid as long as no claims have been paid. This will void the policy from the beginning, and any pending or not yet submitted claims will be denied.

The policy will continue until cancelled and will renew automatically every year as long as premium payments are current. If premiums are unpaid, the company may cancel the policy by sending a notice of cancellation at least 30 days before the effective date of cancellation.

Pre-existing conditions

Pre-existing conditions are not covered by Pets Best Pet Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.

The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is Pets Best Pet Insurance latest definition:

Pets Best Insurance Services looks at the 18 months preceding the policy effective date and excludes any conditions that were present during that period. Conditions that are present during the policy waiting period are also deemed to be pre-existing conditions. Please note, the following Conditions are deemed Pre-existing conditions if they are present at any time preceding the policy effective date or the expiration of any waiting period: 1. Chronic conditions. 2. Bilateral conditions, if your pet had at any time any pre-existing conditions consistent with that same bilateral condition on either side of the body. 3. Intervertebral disc conditions, if your pet had at any time any pre-existing conditions involving the intervertebral discs (due to either degeneration or trauma).

Compare Pets Best Pet Insurance To Other Top Providers

If you'd like to see how Pets Best Pet Insurance stacks up against other top providers, we've made it easy. Take a look at the links below:

Copyright © 2005-2019 Pets Best Insurance Services, LLC - 2323 S. Vista Ave. Ste. 100 - Boise, ID 83705 877-738-7237. Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company or Independence American Insurance Company, a Delaware insurance company.

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