Is Pets best Pet Insurance Worth It? Review 2025

Why trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the policy terms and pricing of insurance plans on the market each year to provide you with a trustworthy and unbiased analysis. Thanks to this commitment, hundreds of thousands of users every month in the US rely on us to help guide their most important financial decisions.

Pets best warranties

Pets Best offers highly flexible plans, letting pet owners set annual limits (from $2,500 to unlimited), reimbursement rates (70–90%), and annual deductibles ($50–$1,000) to fit most budgets and needs.

Its core “Accident & Illness” formula provides broad coverage, with optional add-ons for exam fees, prescribed medications at home, and rehab/chiropractic/acupuncture, allowing precise customization—rare among US competitors.

Coverage is strong for hereditary, chronic, and dental illness (with conditions); however, preventive care/annual checkups and routine dental (cleanings) are only accessible via optional wellness add-ons.

Major exclusions include pre-existing conditions (lookback 18 months), routine preventive acts, elective procedures, breeding, and alternative/experimental treatments unless covered by special options.

Pets Best stands out for its digital tools, rapid claims, and 24/7 support, but requires upfront option selection (no mid-term coverage upgrades), and routine/behavioral/preventive benefits lag without add-ons.

Good to know

• Optional coverage (exam fees, prescription meds at home, rehab/acupuncture/chiropractic) can only be chosen at enrollment—mid-term addition not allowed.
• Dental disease cover has specific eligibility—routine dental cleaning is not included unless you buy the wellness add-on.
• There is a 6-month waiting period for cruciate ligament conditions.
• Pre-existing conditions (18-month lookback) and most hereditary/congenital diseases present before coverage are always excluded.
• Claims must be submitted within 180 days of treatment; direct vet payment may be available if your clinic participates.

Get a customized quote and compare plans to find the lowest price for your pet’s needs.

Pets best exclusions

Pets Best applies industry-standard exclusions, notably all pre-existing conditions identified or symptomatic within 18 months prior to coverage, which includes bilateral and chronic diseases—a timeframe longer than some competitors. Preventive care, elective procedures (such as ear cropping, declawing, or tail docking), and breeding or pregnancy costs are all strictly excluded unless a specific add-on is purchased at enrollment.

A unique aspect is that treatments purchased as optional add-ons (e.g., exam fees, prescribed medications for home use, rehabilitation) are only covered if originally selected, with no mid-policy upgrades. Dental disease is only covered if the animal has had a professional cleaning under anesthesia within 13 months (if over 3 years) and had no signs of disease prior to coverage—a stricter eligibility than many insurers.

Experimental, alternative or holistic therapies and behavioral treatments (unless explicitly supplemented) also fall outside the covered scope, and only care within the US, Canada, or US territories is reimbursable.

Pets best rates

Pets Best’s pricing is generally very competitive for the U.S. market, especially considering the flexibility allowed in choosing annual limits, reimbursement levels, and deductible amounts. Plans can be tailored to be economical—by selecting higher deductibles or lower reimbursement percentages—or more comprehensive, with low deductibles and extensive coverage, but pricing remains below or on par with national averages for similar guarantees.

As a fully digital pure player with streamlined claims management and policy administration online, Pets Best effectively reduces administrative costs, helping to keep premiums accessible compared to more traditional insurers.

While some optional coverages (exam fees, prescription meds, rehab) must be added for a truly “all-inclusive” policy, the modular structure means most pet owners can build coverage adapted to their budget, and still benefit from fast digital service and generally reliable claim payouts.

Overall, Pets Best is positioned as an economical but flexible insurer—its products are cost-effective with scalable coverage, making it a frequent choice for owners seeking value over ultra-premium all-risk options.

Explore different providers and quotes to ensure you get the best rate and coverage for your pet’s needs.

Pets best promo codes

How much will I be reimbursed with Pets Best?

Pets Best reimburses you for eligible vet expenses according to the plan options you select (annual limit, deductible, and reimbursement rate). With the highest Pets Best plan (unlimited annual benefit, $50 annual deductible, and 90% reimbursement rate), you can minimize your out-of-pocket costs for major accidents, illnesses, and even routine wellness if you add Routine Care. Here’s how your real-life bills would compare with or without insurance:

Example 1: Emergency Surgery for Swallowed Toy (Dog)

Total vet costs: $3,500 (exam, X-rays, surgery, 2 days hospitalization, medication)

Annual deductible remaining: $50 (first claim this policy year)

Eligible amount after deductible: $3,500 – $50 = $3,450

Pets Best reimburses 90% of this amount: $3,450 × 90% = $3,105

👉 You receive $3,105 back from Pets Best.

Your out-of-pocket expense is just $395 (deductible + 10% coinsurance), instead of $3,500 if uninsured.

ℹ️ The annual deductible is paid only once per year, no matter how many claims you file that year. With the unlimited annual benefit, even multiple emergencies are covered.*

Example 2: Dental Extraction After Broken Tooth (Cat)

Total vet costs: $1,050 (exam, dental X-rays, anesthesia, extraction of fractured canine, pain medication)

Annual deductible already met due to earlier claim in the year

Reimbursed at 90% by Pets Best: $1,050 × 90% = $945

👉 You receive $945 back from Pets Best.

Your remaining expense is only $105 (10% coinsurance), compared to $1,050 if uninsured.

ℹ️ Dental extractions for acute injury are covered as long as there’s no pre-existing dental disease. Routine cleanings are not covered under standard plans.*

Example 3: Routine Care – Annual Wellness (with add-on Wellness/Essential Plan)

Preventive vet visit (exam, vaccines, fecal test, heartworm test): $210

Covered amount (per wellness schedule): Up to $150 per year for exams/vaccines/tests

👉 You receive up to $150 reimbursement on these routine care costs.

Your out-of-pocket for prevention drops to $60, compared to the full $210 if uninsured.

ℹ️ Routine care (like vaccinations and annual tests) is only reimbursed when you add Wellness coverage to your Pets Best policy. Choose the plan that fits your pet’s needs to maximize your savings year-round.

Assistance Pets best

The assistance framework at Pets Best stands out for its digital-first claims management, enabled by both a web portal and dedicated mobile applications for iOS and Android, allowing quick claim uploads and tracking. While reimbursement is prompt in most scenarios, Pets Best does not systematically offer advance payment at the point of care, which may expose owners to upfront costs unless a direct pay arrangement exists with a participating clinic. One of its major differentiators is the 24/7 Pet Helpline, granting policyholders access to veterinary advice at any time, something not yet standard in the US market. There is currently no structured partner veterinary clinic network; owners can use any licensed provider within the covered territories, but negotiated cashless networks like those of some competitors are absent. Coverage extends to the US, Canada, and US territories for temporary travel, but does not support longer-term overseas stays or relocation.

Customer reviews on Pets best

We have analyzed the reviews from the source cited above. On the positive side, policyholders who have insured their pets with Pets Best often mention:

• An easy and fast claims process: the ability to submit claims and upload receipts digitally, either via the mobile app or website, is frequently highlighted for its simplicity and convenience.
• Quick reimbursements: many customers report that claims are processed and paid out within just a few days (typically between 72 hours and 5–10 days).
• Responsive and caring customer service: customer support is described as courteous, knowledgeable, and compassionate, with multiple reviewers emphasizing helpful communication and support in stressful situations.
• Comprehensive and customizable coverage: the variety of plan options at competitive prices allows owners to select coverage that fits their pets and budgets, which is appreciated by multi-pet households and those with high veterinary needs.
• Added peace-of-mind: the coverage enables owners to focus on their pets’ wellbeing rather than financial stress, especially during emergencies or major illnesses.
• Transparent and fair processes: a number of reviewers note clear policy explanations, transparent processing of claims, and satisfaction after appeal or further discussion with the company.
• Widespread recommendation: many clients say they would recommend or have recommended Pets Best, especially to first-time pet owners.

On the negative side:

• Occasional delays in claim processing: some users experience longer wait times for certain types of claims (such as dental or wellness claims), sometimes leading to frustration when expectations are not met.
• Reimbursement disputes and non-payments: a few customers encounter rejected or repeatedly unpaid claims, and some express the view that Pets Best acts to avoid covering some legitimate claims.
• App reliability and digital access issues: the mobile app is sometimes described as slow or glitchy, with several reporting outages or bugs that force them to switch to the website for claim submission.
• Communication gaps: some policyholders feel there is inadequate or unclear communication regarding claim status or coverage details, though in some instances delays are acknowledged by staff.
• Perceived coverage gaps or lack of clarity: new subscribers or recent adopters are occasionally disappointed to find out that certain conditions, especially those deemed pre-existing or with waiting periods, are not covered immediately.

How to contact Pets Best?

FAQ

Jordan Mitchell

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.