Pets Best Pet Insurance 2025: Comprehensive Review & Coverage Guide

Our expert's opinion on Pets Best

Last update: June 24, 2025

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4

Score

4

Score

Jordan Mitchell

Personal finance editor

Pets Best stands out in the US pet insurance market with highly customizable plans, giving pet owners a choice of annual coverage limits from $2,500 to unlimited, reimbursement rates of 70%, 80%, or 90%, and annual deductibles ranging from $50 to $1,000, along with optional wellness and supplemental coverages. Its plan modularity and focus on flexible limits position Pets Best as one of the most adaptable digital-first insurers, generally offering competitive pricing compared to premium brands, and is particularly appealing for those wanting to tailor both coverage scope and cost. Pets Best is well-suited for a broad range of profiles—especially young and healthy pets, cost-conscious owners, and those seeking routine care add-ons, while also accommodating high reimbursement needs and complex purebred coverage. Operated by Pets Best Insurance Services, LLC and underwritten by American Pet Insurance Company, the insurer demonstrates financial stability and large market presence; with over $100 million in annual premiums and a Trustpilot score of 4.0/5 from 5,378 reviews, claims handling is mostly digital and typically completed within 5 to 14 days, though some delays may occur.

Pros

• ✅Customizable annual limits and reimbursement rates
• ✅Very low deductible options ($50)
• ✅No upper annual limit available
• ✅Routine care and alternative therapy add-ons
• ✅24/7 pet health helpline
• ✅Mobile app and paperless claims process
• ✅Covers specialist and emergency care

Cons

• ❌Pre-existing conditions broadly excluded
• ❌Strict dental coverage requirements
• ❌Premiums may rise sharply each year
• ❌Routine care benefits underwhelming value
• ❌Some reports of slow or denied claims

ProsCons

• ✅Customizable annual limits and reimbursement rates
• ✅Very low deductible options ($50)
• ✅No upper annual limit available
• ✅Routine care and alternative therapy add-ons
• ✅24/7 pet health helpline
• ✅Mobile app and paperless claims process
• ✅Covers specialist and emergency care

Our expert's opinion on Pets Best

Last update: June 24, 2025

Jordan Mitchell

Personal finance editor

Discover the offer

4

Score

4

Score

Pets Best stands out in the US pet insurance market with highly customizable plans, giving pet owners a choice of annual coverage limits from $2,500 to unlimited, reimbursement rates of 70%, 80%, or 90%, and annual deductibles ranging from $50 to $1,000, along with optional wellness and supplemental coverages. Its plan modularity and focus on flexible limits position Pets Best as one of the most adaptable digital-first insurers, generally offering competitive pricing compared to premium brands, and is particularly appealing for those wanting to tailor both coverage scope and cost. Pets Best is well-suited for a broad range of profiles—especially young and healthy pets, cost-conscious owners, and those seeking routine care add-ons, while also accommodating high reimbursement needs and complex purebred coverage. Operated by Pets Best Insurance Services, LLC and underwritten by American Pet Insurance Company, the insurer demonstrates financial stability and large market presence; with over $100 million in annual premiums and a Trustpilot score of 4.0/5 from 5,378 reviews, claims handling is mostly digital and typically completed within 5 to 14 days, though some delays may occur.

Pros

• ✅Customizable annual limits and reimbursement rates
• ✅Very low deductible options ($50)
• ✅No upper annual limit available
• ✅Routine care and alternative therapy add-ons
• ✅24/7 pet health helpline
• ✅Mobile app and paperless claims process
• ✅Covers specialist and emergency care

Cons

• ❌Pre-existing conditions broadly excluded
• ❌Strict dental coverage requirements
• ❌Premiums may rise sharply each year
• ❌Routine care benefits underwhelming value
• ❌Some reports of slow or denied claims

ProsCons

• ✅Customizable annual limits and reimbursement rates
• ✅Very low deductible options ($50)
• ✅No upper annual limit available
• ✅Routine care and alternative therapy add-ons
• ✅24/7 pet health helpline
• ✅Mobile app and paperless claims process
• ✅Covers specialist and emergency care

Discover the offer

Why trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.

The Guarantees of Pets Best

Pets Best stands out for its highly customizable pet insurance plans, allowing pet owners to select annual limits ($2,500, $5,000, $10,000, or unlimited), reimbursement rates (70%, 80%, or 90%), and annual deductibles (from $50 to $1,000).
Optional coverage add-ons such as exam fees, prescription medications, rehabilitation/alternative therapies, and routine wellness care allow pet parents to tailor benefits to their needs and budget.
A major strength is the short waiting period (3 days for accidents, 14 days for illnesses), direct digital claim submission, and “no network” policy, covering any licensed US or Canadian veterinarian.

However, preventive and routine care, as well as exam fees and some advanced therapies, are excluded unless specifically purchased as additional options, and all plans strictly exclude pre-existing and hereditary conditions discovered before the policy or during the waiting period.
Pets Best’s flexibility and robust digital claims make it a strong choice for cost-conscious owners seeking comprehensive illness and accident coverage, but careful attention is required when adding supplemental coverages and understanding exclusions.

Compare plans now to find the best rate and coverage for your pet’s needs.

Good to know

Pets Best claims must be submitted within 180 days of treatment and are typically paid within days if all documents are complete. Multiple pets require separate policies. For certain dental, cruciate, or hereditary coverage, specific pre-policy and preventive care requirements apply. All limits, deductibles, and options are selected per pet and shown on the certificate.

Pets Best Exclusions

Pets Best enforces a comprehensive exclusion list that affects claims for pre-existing conditions, elective, cosmetic, and routine/preventive procedures outside specific covered events.
Notably, preventive care—including wellness exams, vaccinations, and dental cleanings—is excluded from core policies and is only available if the wellness add-on is purchased.
There are strict limitations around dental care (such as no coverage for endodontic procedures on non-canine/carnassial teeth or for pre-existing disease, and specific requirements for eligibility).

Exclusions also extend to breeding, pregnancy, elective procedures, behavioral therapies unless supplemented, non-formulary medications, and any costs related to non-compliance with required preventive or vaccination protocols.
Geographically, care received outside the US, Canada, and US territories is not reimbursed.

Pets Best Prices

Pets Best positions itself as a competitive option in the US pet insurance market, leveraging a flexible digital-first platform to keep premiums affordable compared to traditional providers.

Monthly rates are typically lower if you accept standard reimbursement (70–80%) and higher deductibles, making it attractive for price-sensitive owners seeking essential protection.

Despite its affordability, the depth of coverage is solid—with optional add-ons for wellness and exam fees—though some routine or high-cost items require purchasing the most robust plans.

Unlike premium-priced, fully comprehensive competitors, Pets Best remains mid-range for most profiles, balancing cost and feature set well.

Its simplicity and transparent digital claims process are key strengths for modern pet owners.

Compare plans below to find the best price for your pet’s needs.

Pets Best Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

How much will I be reimbursed with Pets Best?

With Pets Best’s highest-tier Elite plan, you get the benefit of a 90% reimbursement rate, a low annual deductible, and unlimited annual coverage, making the claim process simple and your out-of-pocket predictable.

✅ Example 1: Emergency surgery for a swallowed foreign object
Total vet costs: $2,500 (consultation, imaging, surgery, medication, hospitalization)
Deductible amount to subtract: $100 (first medical expense of the year)
Amount reimbursable after deductible: $2,500 – $100 = $2,400
90% of that reimbursed: $2,400 × 90% = $2,160
 👉 You receive a reimbursement of $2,160.
ℹ️ After paying your annual deductible on the first claim, later claims within the same policy year won’t have the deductible applied again.

✅ Example 2: Chemotherapy session for cat (chronic illness)
Total vet costs: $1,200
Deductible already met earlier in the policy year Amount reimbursed at 90%: $1,200 × 90% = $1,080
👉 You receive $1,080.
ℹ️ The Elite plan’s unlimited annual cap means even multiple expensive treatments are covered over the year.

✅ Example 3: Annual preventive care package (routine checkup, vaccinations, dental cleaning)
Total vet costs: $350 Deductible not applicable for preventive care (covered under optional wellness add-on)
Reimbursement with wellness add-on: $305 (typical annual reimbursement limit for wellness expenses)
Owner’s remaining out-of-pocket cost: $350 – $305 = $45
👉 You receive $305.
ℹ️ Preventive care is reimbursed up to the annual limit set by your chosen wellness add-on. Any costs above that remain at your expense.

Pets Best Assistance

Customer reviews on Pets Best

We analyzed reviews from the sites listed above. 

On the positive side, customers who subscribed to Pets Best for their pets often mention:

• A responsive and helpful customer service is appreciated, especially via phone support.
• A fast and straightforward claims process, with digital and mobile submission options, is frequently cited.
• An easy enrollment procedure and transparent information promotes confidence at sign-up.
• A comprehensive scope of coverage for significant incidents, such as surgery and cancer, is valued.
• A reliable mobile app and web portal allow policyholders to manage claims and monitor their reimbursements.

On the negative side:

• A number of users report delays in reimbursement, sometimes up to a month.
• An unexplained or significant increase in premiums as the pet ages is a frequent concern.
• A lack of transparency regarding requirements, such as mandatory dental cleanings for full dental benefits, leads to dissatisfaction.
• A rejection of claims deemed unfair occurs when items are considered non-covered or are unexpectedly excluded.
• A perception that reimbursement amounts for some routine care benefits are too low or communication about denials is insufficient.

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FAQ

Jordan Mitchell

Personal finance editor

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.