Pets Best | Pet Insurance Review

Our 2+ yo Golden Retriever, Lucy, was due for her annual HeartGard & NexGard meds & other routine vaccinations. Pets Best has consistently compensated approximately 50%+/-. The process for claim approval is straightforward with timely payment. "

So thankful for Pets Best! We recently had a scary moment with our youngest kitty and it was an expensive few days. Knowing Pets Best was there to help us cover the costs made it possible for us to keep our focus where it mattered: on our kitty and NOT on finances. Thank you!

Pets Best used to be amazing, but the past couple of years, things just don't seem to be the same quality. First, the website and app constantly have issues. Almost every time I uploaded a claim, they would say they needed an itemized receipt, even though I had already uploaded. I would have to re-upload the exact same document, but it was only after I highlighted the areas that they said were missing from the original upload that they would say the document showed what they needed. (mind you, these were things that could easily be found, like the date of purchase, the dog's name, the medication, and the total price.) For the past at least 6 months, I've had to update every claim I've submitted, "due to not attaching an itemized receipt." The thing is, I've already uploaded the receipt every time. There is some sort of glitch. At first I thought it was the app, so I started using the website, but it's still happening. Reimbursements take way longer than they used to. And, my 11 year old's insurance premium jumped by an exorbitant amount this year compared to the increases in previous year, despite him being very healthy, other than some allergies. Also, they are very hard to get in touch with. The chat box on the website frequently says the wait is too long and that you need to call the number instead.

"One of our dogs was recently diagnosed with epilepsy and we were completely overwhelmed and nervous. Pets Best allowed us to make medical decisions for our dog based on his quality of life rather than whether we could afford treatments. Thank you! Happy to report he is doing well with treatment!!!"

Buying insurance from Pets Best seemed like a good idea and, like all insurance companies- I guess- turned out to be more of a money maker for Pets Best than the insured. I didn't like that the monthly premium kept going up- automatically, each year as if it should be an accepted way for insurance companies to do business. Like they were owed that increase regardless of pay outs. Anyway, ultimately, I ran the numbers for me from March '25 to March '26- during which there was another premium increase in July. My total payout for insurance and vet bills was $2325. This included my dog's annual wellness check up and two visits. The total covered and paid by Pets Best was $251! Had I just put money into an interest bearing account for Vet stuff I would have saved $1187. Maybe this doesn't seem like much but it adds up! I know that the reason insurance is bought is the fear of some big Vet bill- which, I guess, could happen. It's a roll of the dice. However, had I just put money aside for Vet stuff instead of giving it to Pets Best, I estimate that I would have close to seven or eight thousand in the bank at this time.