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Pets Best Insurance

2323 S Vista Avenue
Boise, ID 83709
phone: (888) 899-0402
claim form

Offers plans in 50 states and DC. Founded by veterinarian Jack Stephens, founder of VPI insurance. No age restrictions on enrolling pets; offers coverage from 70% to 100% reimbursement.
Customer Ratings
60 days 1 year Lifetime
Rating 7.6 8.6 8.7
Count 47 276 1292
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Reviews of Pets Best

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10/10   Customer service, 9/25/2015

Reviewed By: Ron Ardissone, Recommend: Y

Completely satisfied with your constant updates on submitted claims and fairness and explanation of your reimbursements
Injury/Illness: Growth plates/severe limping   Breed: Australian Cattle Dog
Claim Amount: $100 - $500   Age of Pet: under a year
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10/10   Saved my dog's life, 9/24/2015

Reviewed By: Chad, Recommend: Y

My dog has had 3 surgeries during 2 operations costing over $10000. Without PetsBest I would have had to put my dog down. Their service is great and it took under a week to get reimbursed. I recommend to everyone I know and will continue to insure my pets through this company for their entire lives.
Injury/Illness: two torn knees   Breed: Pit Bull
Claim Amount: over $1000   Age of Pet: 1 - 8
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9/10   Great Insurance, Great Price, 9/24/2015

Reviewed By: Darryl T, Recommend: Y

Pets Best Insurance is great health insurance for your pet. It cost just as much for a pet to visit a vet as a person to visit a doctor. I can tell you I would be broke, if I didn't have this insurance. Its well worth the price. You can get reimbursed or paid to the vet. In this case it took a little longer to get the claim settled because they had an extensive amount of claims but, I still got mine within 10 day.
Injury/Illness: ear problem   Breed: Beagle
Claim Amount: $100 - $500   Age of Pet: 1 - 8
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1/10   Used to think they were great, 9/23/2015

Reviewed By: Dianne Clark, Recommend: N

I initially purchased this insurance as it was one of the few that offered wellness coverage. Once my dog turned 7, I purchased a Senior package from my vet which was a bulk package for services. For two years Pets Best reimbursed me for the individual services they covered under this plan. I was still paying more out of pocket, however, I felt it was worth it.

This year, however, Pets Best refused my claim for wellness services stating that I was receiving a discounted service so they wouldn't cover it. I mentioned they had covered it in the past. They stated that it was a mistake (for two straight years?) and that they would not cover it. I said that I wanted to drop the wellness off my policy since I wasn't going to be able to use it. They stated that it was over 3 months from my renewal and I would have to wait until next year.

Now, my renewal was early June, I filed my claim late August, by the time they did their due diligence and contacted me, it was now over the 3 months and I would have to wait until next year. I had no reasonable expectation that they would not cover these services as they had covered them the past TWO years! They would not work with me to drop the coverage they would no longer honor and allow me to retain only the illness/accident insurance. They pushed the claim past the 3 months, I filed before that timeframe was up. So I had to cancel my whole policy as I was not going to pay a couple hundred dollars for a service I wasn't going to be able to use.

I have never had a company so rigid and less devoted to customer service. I had been a solid customer making on-time monthly payments for 6+ years. I had no indication that they wouldn't honor my claims as they had in the past and they still wouldn't make an adjustment.

I would never recommend this insurance company to anyone based on the way I was treated and how uncompromising they were when they were in the wrong.
Injury/Illness: Wellness   Breed: Australian Shepherd
Claim Amount: $100 - $500   Age of Pet: over 8 years
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1/10   Do not buy, 9/22/2015

Reviewed By: Sandra Johnson , Recommend: N

Pets best may pay on time but in last four years my policy rate on my dog went from $57/mo -$128/mo -$169/mo to $212/ mo. Over last four years. For the same policy. Although they may start your rates low like other companies they raise them very quickly once your dog has an issue. I compared her rate to Trupanion. Which was $126/mo. Same breed age and location. Same deductible. Healthy Paws was $97/mo. Little higher deductible. These rates are $90+ / mo less. They have made it very difficult for me to do right by my dog. When I thought getting insurance was the responsible thing to do. Do not give them your business.
Injury/Illness: bladder   Breed: West Highland White Terrier
Claim Amount: over $1000   Age of Pet: over 8 years
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Most Helpful Reviews

10/10   I would recommend Pets Best,
As a veterinarian, I am asked to pick an insurance company to recommend. I liked the 80%/20% structure, the accident only option, and the fact that the person who designed the insurance had a lot of previous experience starting VPI. I took a policy out on my own very young border collie for several reasons. I wanted to see how fast they processed claims and I wanted to find out if I would be a… read more

Reviewed By: Dr. Paige Garnett
10/10   Wonderful insurance,
I've had 4 claims over a 3 year period with Pets Best. It has been easy to file claims, and they have always covered the entire bill without question, minus my $75 deductible and 20% copay. Last year I got back the premium amount because of one foxtail-in-the-nose incident (ouch) and a concern that Hannah was losing weight, which necessitated blood tests. For the foxtail, I had to take Hannah to 2 different… read more

Reviewed By: Judi, parent of a Mixed Breed
8/10   Worth Having,
This is the second time I have reviewed this company. I am excited to say that I have been pleased with some of the changes they have implemented. Initially I gave them a low score of 2. This was heavily influenced by claims processing time exceeding what was listed on their site. I also thought that I would not be doing business with them even a year later. So, what's changed mind? These things... I was… read more

Reviewed By: RC
10/10   Pets Best has come through each time,
I have all my dogs and cat on Pets Best Policies. Pets Best has always been there for my questions in customer service and have always paid out what they have explained they would pay out. About 7 months ago I had my largest breed dog get sick and the bill was way over $2500. Pets Best paid 80% of my vet bill. My veteriniarin also recommend Pets Best, so I know by experience that Pets Best truly is the… read more

Reviewed By: V. Brown
10/10   Number one pet insurance company!!,
I have never been more pleased with a pet insurance company than I am with Pets Best. I previously had experience with VIP and they were not as efficient and their "fee schedule" was not reasonable. The claims I received from Pets Best have always been what they advertised...they pay 80%. I have referred many friends and family members to Pets Best with 100% confidence that they will be happy and feel… read more

Reviewed By: Kelly Scott

Review Pets Best review policy

Review Title (if you could say it in one sentence, what would you say?)
Your Review (tips)
DO tell us specifics about your pet's illness or injury
DO tell us whether you were happy with how your claim was handled

DON'T use profanity or personal insults
DON'T write in ALL CAPS
Overall Rating (1 - worst, 10 - best)    
Would you recommend this company to other pet owners?
Yes   No
Your Name

Tell us about your pet
Type: Dog     Cat
Age (at the time of your claim):   Under a year   1 - 8   Over 8 years  
Tell us about your claim
Type of illness or accident:
not sure
ear problem eye problem skin problem
cancer gastritis/vomiting enteritis/diarrhea
bladder renal (kidney) thyroid
Claim amount
Time taken to handle claim
Verify that you are a customer
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