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LAST UPDATED: November 24th, 2023

Pets Best mission is to eliminate economic euthanasia by helping pet owners to understand and be financially prepared for those surprising and unexpected trips to the vet. Pets Best knows that vet bills can easily start adding up, that why the company strives to give pet parents peace of mind by easing the financial burden and making it so pet owners can make the best decisions for their furry best friends. Pets Best has paid out over $150 million in claims and boasts the best coverage, fastest claim service, and outstanding customer service.

Pets Best team is made up of pet owners and pet lovers. That’s why the company supports the following pet organizations:

  • Idaho Humane Society
  • Pooch Party & Stroll - Nampa Parks and Rec
  • Pet Peace of Mind/St. Luke’s
  • Dogs on Deployment
  • P.L.A.Y. - Pet Lifestyle And You

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The Good

  • Fast Claims and Short Waiting Periods
  • Transparent Monthly Premiums
  • Routine Care & Accident Coverage
  • Coverage Tiers

Fast Claims and Short Waiting Periods

Pets Best members can enjoy fast claims and short waiting periods with their pet insurance policy. The company processes most insurance claims in 5 days or less and doesn’t require medical records. They also offer free direct deposit for reimbursements.

Pets Best offers some of the shortest waiting periods in the industry. Members only have to wait 3 days after the policy effective date for accidents, 14 days for illnesses, and 6 months for cruciate ligaments and other related conditions. Routine care plans are effective the day after a member enrolls.

Transparent Monthly Premiums

Pets Best is very transparent with what factors determine pet owners monthly premiums. The companies premiums are based primarily on these four factors:

  1. Location
  2. Pets Age
  3. Pets Breed
  4. Selected Deductible and Reimbursement Level

Pets Best doesn’t actually have an upper age limit for cats or dogs, so any pet over the age of 7 weeks is eligible for coverage.

Routine Care & Accident Coverage

Pets Best Routine Care Coverage is a great way to help pay for those annual veterinary visits. Yearly checkups can aid in the prevention of more serious conditions as vets conduct dental cleanings, blood work, flea and tick prevention, and other wellness exams and tests.

Pets Best offers two wellness plans for pet parents to choose from:


  • $16/month*
  • Pays up to the following, per year, with no deductible


  • $26/month**
  • Pays up to the following, per year, with no deductible**

A routine care coverage package can be added to a pet health insurance plan for an additional premium at the time of enrollment, within 30 days of enrolling, or during an annual renewal. Benefits are available to members the day after they enroll.

* $14/Month in Washington

** $30/Month in Washington

The companies Accident Coverage is an excellent option for pet owners just looking for some cushion in case their pet is injured. Accident Coverage for dogs is $9/month* and coverage for cats is $6/month**, no matter the pet’s age or breed.

*$7/month in Washington

**$10/month in Washington

Coverage Tiers

Pets Best offers three coverage tiers for pet insurance plans for pet parents to choose from:


  • Accidents
  • Illness
  • Cancer
  • Hereditary Conditions (Hereditary Epilepsy, Hip Dysplasia, Patella Luxation, etc.)
  • Emergency Care
  • Dental Care
  • Surgeries
  • RX Meds
  • Unlimited Annual Coverage


Offers the same coverage as the Essential plan but includes:

  • Accident and Illness Exam Fees
  • Unlimited Annual Coverage


Coverage includes the same benefits as the Essential and Plus but also includes:

  • Rehabilitative, Acupuncture & Chiropractic Coverage
  • Unlimited Annual Coverage

Pets Best does not cover pre-existing conditions, elective or preventive procedures, non-veterinary expenses, or herbal, holistic experimental therapies and medications. This is common amongst other pet insurance companies. 


The Bad

  • Not 24/7 Customer Service
  • Rate Increase

Not 24/7 Customer Service

Although the company boasts their unsurpassed customer service, Pets Best members can only reach a representative during business hours.

  • Mon-Fri: 7:00am - 7:00pm (MT)
  • Saturdays: 10:00am - 2:00pm (MT)

Rate Increase

Insurance policies will increase as a pet gets older. Pets Best states that it is to cover the increased veterinary costs that come with older pets. However, other pet insurance companies allow members to keep the same rate throughout the lifetime of their pet.


The Bottom Line

Even though Pets Best policy rates raise as members pet(s) get older and the customer service isn’t available 24/7, Pets Best has a lot to offer as far as pet health insurance goes. 

The companies claim process is quick and efficient, getting claims filed in as little as 5 days, and the short waiting periods are great for pet owners who want coverage for their pet as soon as possible. The fact that there is no upper age limit coupled with the accident only policy staying the same no matter the age or breed (dogs and cats), makes Pets Best Insurance an excellent choice.

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Michelle Thomas Anaheim, CA

Oh how I love this pet insurance company. The have great! Customer service is exceptional. I had an amazing CSR help me refigure my billing. His name is Michael and he just handled everything and It was the best out come. I have saved thousands of dollars in 5 years. My Yorkie Rocky takes meds. It Is 2,800 a year without insurance and 560 a year with insurance. Now that doesn't. Cover his blood, urine and blood pressure test every 3 months or emergencies. My premium is 1700 a year so you can see the blessing of having insurance. MY Yorkie is 15 now. I praise God for this company!! Definitely recomend them.

4 months ago

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Ms. Andrea & Rev. Michael Ader Coventry, CT

Dealt with them when we had our rescue lab/Newfie mix, Douglas, whom we adopted as an adult. They covered everything in the policy through his lymphatic cancer treatments very promptly and professionally.

4 years ago


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roberto arcia Columbia, MO

As someone who shops around for the best pet health insurance, Pets Best is quite literally the best. They have great customer service representatives that are super empathetic to your situation. On top of that, they have a variety of different options when it comes to pet insurance. I will be continuing to use them in the near future.

2 years ago