Pets Best | Pet Insurance Review

I've been with Pets Best since 2021. I have a soon to be 9-year-old rescued Coonhound mix. The vet detected a heart murmur at a visit and recommended additional testing for heart disease. Pets Best covered the claim per my policy. The claims process was easy. It does take a couple of weeks to receive reimbursement, but the amount came into my bank account as promised. Rates have increased as she has aged, which is to be expected, but not astronomically as I have read about with some companies. Her policy pays out at 90%, $500 deductible, and is less than $75/month. I now have a 10-month-old Golden Retriever, and I signed him up for coverage when he was 10 weeks old. I don't pay extra for routine care/vaccinations/spay or neuter, but I do pay for prescribed meds, exam fees, and physical therapy. I pay about $25/month for his coverage. So far, so good with Pets Best. I feel like I made the right choice.

My cat had a uti and had to go to the ER so things were already stressful, so when I filled my claim it was was possessed fast so I had less to work about

This Pet Best insurance company is on top of everything like your claims that are taken care of right away, and they make sure your pet’s needs are being cared for.. they get a A+ from me.

I purchased an accident-only policy with Pets Best expecting coverage in the event of a documented emergency. In November, my dog suffered a traumatic injury, resulting in acute paralysis. Emergency records documented a suspected spinal injury, and a board-certified neurologist later diagnosed intervertebral disc extrusion with myelomalacia. She had no prior medical history. Despite clear documentation of an accidental spinal injury, Pets Best denied the claim, first stating it was “not an accidental injury.” without providing any meaningful explanation or reference to the medical findings. When pressed for clarification (in writing), they reclassified the condition as a cruciate ligament event—even though no veterinarian diagnosed a cruciate ligament injury and the medical records clearly identified a neurological spinal condition. The claim was ultimately reversed only after I filed a complaint with the California Department of Insurance. While reimbursement was issued, it required regulatory intervention and multiple rounds of follow-up. Insurance is meant to provide peace of mind during emergencies. In my case, I had to escalate and involve a regulator before the medical records were appropriately reviewed. There was no acknowledgment that the original denial was incorrect and no apology for the financial strain caused. Based on this experience, I would not recommend Pets Best.