Pets Best | Pet Insurance Review

I had to put in a claim for my little Chihuahua. He ate raisin cookies. The claim was processed quickly!

Pets Best is easy to deal with. I feel that I chose the best coverage policy for my boy, I wish I’d done it sooner.

In my experience, the claims process with Pets Best has been slow and frustrating. They state that they respond to emails within 72 hours, but I have often waited several weeks for a reply. I have also been asked to provide additional documentation after submitting the information I already had available, which made the claims process feel unnecessarily complicated. Communication has been another challenge. Some of my emails were not answered, and I did not receive reminders before a claim was closed. When claims were denied, the explanations did not clearly identify the specific reason for the denial or what additional information might support an appeal. For my family, the process has required more time and follow-up than I expected. I have only one dog, and managing the claims has still been a significant administrative burden. Based on my experience, I would have difficulty recommending Pets Best to others looking for a straightforward claims process.

I couldn't believe how quickly my claim was processed. I think it was less than a week and I had my money. They sent the money directly to my CareCredit account because that's what I requested. I'm so impressed!

I am incredibly frustrated with the constant stalling tactics and runaround from Pet's Best. They repeatedly request medical records that have already been provided to them multiple times. In December 2025, I took my dog to VCA for a sore paw and sent the paperwork to Pet's Best, I have a $500 deductible and knew that wouldn’t matter, but I wanted for them to have it on record. In May 2026, he went back to VCA, was diagnosed with allergies, and was prescribed Apoquel. For my first claim in May, I submitted the VCA bill and the Tractor Supply Apoquel receipt since it was cheaper from Tractor Supply vs buying it from the vet. Pet's Best claimed they did not receive the vet notes. I contacted VCA, who sent them, and I also personally uploaded the VCA exam notes and his full prior shot records just to be safe. I take my dogs to Pet Vet for their yearly shots because it is cheaper than the vet’s office. In June 2026, I submitted a new claim for his monthly Apoquel prescription refill. A few days later, Pet's Best halted the claim, demanding the May 2026 doctor's notes on VCA letterhead. They literally already had these on file from the first claim. Every time I submit a routine prescription refill, they pause the claim and demand the exact same historic vet notes they already verified. It is an exhausting, repetitive cycle designed to delay applying anything toward my deductible. Do better.