Pets Best Pet Insurance 2025: Comprehensive Review & Coverage Guide
Our expert's opinion on Pets Best
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.
- ✅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
- ❌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
Our expert's opinion on Pets Best
- ✅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
- ❌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
Score- ✅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
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.
| Name of coverage | Accident & Illness Plan (Customizable) | Accident-Only Plan | Optional Routine Care (add-on) |
|---|---|---|---|
| Plan positioning | Comprehensive modular coverage | Budget-friendly for accidents only | Preventive and routine care |
| Type of coverage (accident, illness, both, etc.) | Accidents and illnesses | Accidents only | Vaccines, exams, spay/neuter, etc. |
| Animals covered (dogs, cats, other) | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | 70%, 80%, or 90% | 90% | N.C. |
| Annual reimbursement limit | $2,500 / $5,000 / $10,000 / unlimited | $10,000 | Annual benefit max ($305/$535, varies) |
| Deductible (annual or per claim) | Annual, $50–$1,000 (chosen by customer) | $250 per year | ❌ |
| Age limits for enrollment (for dogs and cats) | Dogs/cats: from 7 weeks, no max age | Dogs/cats: from 7 weeks | Same |
| Pre-enrollment health questionnaire | ❌ | ❌ | ❌ |
| Waiting period (illness) | 14 days | ❌ | ❌ |
| Waiting period (accident) | 3 days | 3 days | ❌ |
| Lifetime coverage once subscribed | ✅ | ✅ | ✅ (if plan active) |
| Vet consultations (regular + emergency) | Optional add-on | Optional add-on | ✅ (with add-on) |
| Medications | Optional add-on | Optional add-on | ❌ |
| Hospitalization | ✅ | ✅ | ❌ |
| Surgery (including anesthesia) | ✅ | ✅ | ❌ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ | ✅ | ❌ |
| Dental care (includes scaling and procedures) | Trauma/illness/covered extractions; scaling excluded | Limited (accident only) | Cleaning covered (with Essential/Plus) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ (optional routine care only) | ❌ | ✅ |
| Alternative medicine (osteopathy, acupuncture, etc.) | Optional add-on | Optional add-on | ❌ |
| Travel coverage (countries included, duration) | US, Canada, US territories | US, Canada, US territories | N.C. |
| Civil liability | ❌ | ❌ | ❌ |
| Euthanasia | ✅ (humanely necessary with covered diagnosis) | ✅ | ❌ |
| Death & cremation coverage | ❌ | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ | ❌ | ❌ |
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.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Preventive/routine care |
|
| Dental exclusions |
|
| Elective/cosmetic exclusions |
|
| Behavioral and alternative therapy |
|
| Breeding, pregnancy |
|
| Medication exclusions |
|
| Administrative/other exclusions |
|
| Geographic exclusions |
|
| Identification/compliance |
|
- Pre-existing conditions (before effective or during waiting period)
- Chronic, bilateral, disc-related conditions
- Injuries/illness related to racing, abuse, or intentional acts
- Wellness exams
- Vaccinations
- Parasite control (heartworm/flea/tick meds)
- Titer tests and deworming
- Dental cleaning (except specific covered conditions)
- Pre-existing dental disease
- Routine cleanings or prophylaxis
- Treatment for all teeth except canine/carnassial
- Food, chews, toothpaste/sealants, or stomatitis where symptoms pre-exist
- Ear cropping, tail docking, declawing, dew claw removal
- Cosmetic/esthetic surgery or procedures
- Ear cleaning
- Training classes
- Behavioral modification (unless with covered add-on)
- Alternative/exotic treatments (unless selected supplemental benefit)
- All claims related to breeding or pregnancy
- Complications unless due to covered illness/injury (restrictions apply)
- Non-formulary prescription drugs
- Over-the-counter medicines
- Herbal, holistic, or experimental treatments (unless elective add-on)
- Filing/processing fees, record-sending costs
- Pet boarding, transport, ambulance
- Toys, foods, bedding, ramps, grooming
- War, nuclear, epidemic, or biological events
- Care provided outside the US, Canada, or US government territories/bases
- Claims denied for failure to comply with vaccination, preventive care, or not providing required documentation
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.
| Accident-Only Plan | Essential (Illness + Accident) | Plus (Illness + Accident + Rx) | Elite (No Annual Limit, Low Deductible) | |
|---|---|---|---|---|
| Young cat (2–4 years) | $14/month | $22/month | $27/month | $41/month |
| Senior cat (7–8 years) | $20/month | $32/month | $38/month | $59/month |
| Small breed dog | $16/month | $29/month | $34/month | $48/month |
| Small breed dog (2–4 years) | $15/month | $25/month | $31/month | $45/month |
| Large breed dog (2–4 years) | $19/month | $38/month | $45/month | $67/month |
| Senior dog (7–8 years) | $26/month | $54/month | $63/month | $103/month |
Pets Best Promo Codes
| Pets Best Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
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
| Assistance Pets Best | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service available. All vet bills must be settled by the policyholder before reimbursement is processed. |
| Payment facilities | ❌ | No published installment payment solutions for insurance premiums or veterinary bills. |
| Mobile app | ✅ | Dedicated mobile app for Android and iOS. Allows claim filing, document upload, policy management, and tracking payments. |
| Paperless claims process | ✅ | Claims can be submitted entirely online via portal or app. Supporting documents and updates are handled digitally for efficiency. |
| Emergency vet service | ✅ | 24/7 Pet Helpline provides access to veterinary professionals. Service is informational and does not replace emergency veterinary care. |
| Vet/clinic partner network | ❌ | No network of partner clinics; usable at any licensed vet in the US, Canada, and US territories. |
| Coverage abroad | ❌ | Not covered outside the US, Canada, and US territories. International expenses not reimbursed. |
Customer reviews on Pets Best
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.0/5 (5,378 reviews) |
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.
Contact Pets Best
| Pets Best Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim online via the Pets Best customer portal or mobile app. Include a completed claim form, itemized invoice, and relevant medical records. Track status directly through the portal or app. Reimbursement is issued by direct deposit or check, with average processing time typically less than one week after complete documentation is received. For help: Call 1-877-738-7237 or write to Pets Best Insurance Services, LLC, 2323 S. Vista Ave., Suite 100, Boise, ID 83705. |
| To obtain a certificate of insurance | Request by calling 1-877-738-7237, texting the same number, using the customer portal, or writing to Pets Best Insurance Services, LLC, 2323 S. Vista Ave., Suite 100, Boise, ID 83705. Certificates are generally delivered electronically or by mail upon request. |
| To contact assistance | For general assistance or policy questions, call 1-877-738-7237, text 1-877-738-7237, or use the online form or mobile app. For 24/7 pet health questions, access the Pet Helpline via your customer portal. Mailing address: Pets Best Insurance Services, LLC, 2323 S. Vista Ave., Suite 100, Boise, ID 83705. |
| To cancel my policy | Call 1-877-738-7237 or write to Pets Best Insurance Services, LLC, 2323 S. Vista Ave., Suite 100, Boise, ID 83705. You may be required to submit a signed cancellation request (by mail, fax, or email). Notice period and refunds depend on when you cancel and the terms of your policy; check your policy for specifics. Ensure all outstanding premiums are paid before requesting cancellation. |
Track status directly through the portal or app.
Reimbursement is issued by direct deposit or check, with average processing time typically less than one week after complete documentation is received.
For help: Call 1-877-738-7237 or write to Pets Best Insurance Services, LLC, 2323 S. Vista Ave., Suite 100, Boise, ID 83705.
Certificates are generally delivered electronically or by mail upon request.
For 24/7 pet health questions, access the Pet Helpline via your customer portal.
Mailing address: Pets Best Insurance Services, LLC, 2323 S. Vista Ave., Suite 100, Boise, ID 83705.
You may be required to submit a signed cancellation request (by mail, fax, or email).
Notice period and refunds depend on when you cancel and the terms of your policy; check your policy for specifics.
Ensure all outstanding premiums are paid before requesting cancellation.
FAQ
Do I have to pay upfront for veterinary fees with Pets Best?
Yes, Pets Best requires policyholders to pay veterinary fees upfront at the time of treatment. The company does not operate an advance payment or third-party payment system, so you must submit your claim for reimbursement after payment.
How do I cancel my pet insurance policy with Pets Best?
You can cancel your Pets Best policy by calling customer service or submitting a written request. Pets Best may require written notice and a signed form, and you should allow time for processing in accordance with your policy terms.
What types of conditions and expenses does Pets Best cover?
Pets Best covers a wide range of illnesses, accidents, surgeries, diagnostic tests, and medications provided by licensed veterinarians in the US, Canada, or US territories. Optional add-ons are available for routine care, prescription drugs, and alternative therapies, but exclusions do apply for pre-existing conditions and select treatments.
How do I file and track a reimbursement claim with Pets Best?
To file a claim, log in to the Pets Best customer portal or mobile app and upload your completed claim form, itemized invoices, and medical records. Claims can be tracked online, and approved reimbursements are typically paid by direct deposit or check within a week, provided all necessary documentation is received.
Can I choose my own veterinarian with Pets Best insurance?
Yes, Pets Best allows you to use any licensed veterinarian, emergency clinic, or specialist in the United States, as well as in Canada and US territories. There is no required network, so you have full flexibility in selecting your pet’s provider.
Do I have to pay upfront for veterinary fees with Pets Best?
Yes, Pets Best requires policyholders to pay veterinary fees upfront at the time of treatment. The company does not operate an advance payment or third-party payment system, so you must submit your claim for reimbursement after payment.
How do I cancel my pet insurance policy with Pets Best?
You can cancel your Pets Best policy by calling customer service or submitting a written request. Pets Best may require written notice and a signed form, and you should allow time for processing in accordance with your policy terms.
What types of conditions and expenses does Pets Best cover?
Pets Best covers a wide range of illnesses, accidents, surgeries, diagnostic tests, and medications provided by licensed veterinarians in the US, Canada, or US territories. Optional add-ons are available for routine care, prescription drugs, and alternative therapies, but exclusions do apply for pre-existing conditions and select treatments.
How do I file and track a reimbursement claim with Pets Best?
To file a claim, log in to the Pets Best customer portal or mobile app and upload your completed claim form, itemized invoices, and medical records. Claims can be tracked online, and approved reimbursements are typically paid by direct deposit or check within a week, provided all necessary documentation is received.
Can I choose my own veterinarian with Pets Best insurance?
Yes, Pets Best allows you to use any licensed veterinarian, emergency clinic, or specialist in the United States, as well as in Canada and US territories. There is no required network, so you have full flexibility in selecting your pet’s provider.
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