Pets Best | Pet Insurance Review

The Annual Fee Amount is nearly $1400.00. The total percent reimbursed of an Annual (Preventative) Physical less Annual Deductible is 10%. This Plan is supposed to cover everything plus all the bells and whistles. Seems like their overhead costs and profit margins are skewed.

I've had 2 dogs covered by Pets Best and they were phenomenal. They spent time answering any questions I had and they were very responsive. If it wasn't for the insurance, I wouldn't have had 14 more months with my 1st dog. The day I brought my new new puppy home, I already had him covered. Im really happy with Pets Best and I recommend them to everyone.

PETS BEST PET INSURANCE SUCKS! DON'T BUY IT WHATEVER YOU DO!!! THEY SAY THAT THEY COVER EMERGENCY VISITS. WELL, MY FUR BABY WAS DEATHLY SICK AND THEY DENIED MY $5000 CLAIM. I'M GOING TO CANCEL MY POLICY WITH THEM IMMEDIATELY. PLEASE DON'T USE THEM AND SPREAD THE WORD THAT THEY LIE! Thank you. P.S. She is doing much better now. It was just very expensive out of pocket. But she's my baby!

We have been insuring our dogs for years with PetsBest using it very infrequently--only once years ago that I remember. This time it was for our 7 year old Bichon Frise, Sadie, who goes to the vet regularly for her normal well care. In December we saw two bottom front teeth felt loose. Vet exam suggested removal of some more loose teeth within a year. We returned 9 months later to set up the removal. Our vet assured us "little dogs", especially this breed often suffer this tooth issue, and it can develop rapidly. Once our vet got in there many of her teeth showed periodontic disease & to protect her health and life those teeth had to be removed and the disease cleaned out. MUCH TO OUR SURPRISE PetsBest totally turned down an over $2400 vet bill because we did not put our dog under anesthesia for a dental cleaning within 13 months of the procedure. Our dogs are medically well taken care of, but we honestly would not put our pup under anesthesia for a teeth cleaning regularly. Her teeth were checked every visit it was only recently that we noticed 3 loose teeth and we complied with the vet's timeline NEVER thinking there was that much periodontal disease that was threatening our dog's existence. After paying thousands of dollars in premiums to PetsBest over 7 years of this dog's life and now 3 years of our Shih Tzu's life we are basically ready to CANCEL both of our dogs' PETS BEST INSURANCE as it was more economical to pay for the multiple tooth extraction out of pocket than it was to pay all those years of premiums PLUS the NOW out of pocket procedure cost. YES, we admit that upon researching the policy after the denial, we did find the stipulation regarding the cleaning within 13 months in order for the procedure to be covered but we also found that little dogs, especially Bichons can have a rapid onset of this life-threatening condition. Also PetsBest as far as we see in the policy does not cover the under anesthesia teeth cleaning. We had the vet price the cleaning procedure for us and the cost is between $1600 to $2100 dollars including tax. WHY are we bothering to pay all this money to PetsBest when they won't cover a lifesaving procedure when we need it. Also this is basically what our vet said about our dog's condition when we found the original noticeable teeth issue and we asked if we did anything to cause it before we even found out how extensive it was : "Periodontal disease is a common and serious dental condition in Bichon Frises, affecting a significant portion of the breed. In a 2024 UK VetCompass study of 1,780 dogs, 19.4% of Bichon Frises were recorded with periodontal disease, with prevalence estimates ranging from 17.6% to 21.4% pet-index.com. This makes it one of the more frequent chronic dental conditions in the breed, second only to allergies in veterinary visits Bichon Frise Club of America. Be really careful what pet insurance you choose to pay for your animals and READ the policy closely before you sign up. We would NOT have chosen a policy that required an "under anesthesia dental cleaning" for a pup of any age no less 7 years old unless specifically recommended by our vet for a specific reason--not to mention at that cost for a cleaning that would NOT have stopped this dental condition in this breed and then have to do the follow up procedure anyway makes PetsBest premiums a waste of money.

Submitting claims for my dogs is so easy, I pay the vet with my Care Credit and Pets Best sends the payment directly to them. I love this, it makes keeping track of the medical expenses, for my six dogs, so easy! Amazing!!!!"