Pets Best | Pet Insurance Review

Having pet best insurance was extremely easy to use and helped financially.

I’ve had pets my entire life but never opted for pet insurance. I’ve had some hefty bills but figured the occasional large expense would be offset by the insurance annual premiums, deductibles, etc. And, truthfully, I was really skeptical about coverage and cynical that there would be a lot of hoops and hidden exclusions. However, after hearing a few traumatic stories over the last year, I decided that 2025 would be the year we’d finally get coverage for our dog, Hope. A good friend had recently gotten a puppy and did her homework thoroughly vetting insurance companies. Her decision, after a lot of analysis, was Pet’s Best so I took her lead and, on Jan 3, I opened our first ever policy. I paid annually for a slight savings and was pleasantly surprised that it didn’t cost as much as I had expected. ($450 / yr for 5 yr old healthy dog, $1k deductible, 90% reimbursement, no routine care). I certainly hoped I’d never need it and filed the paperwork away. For injury, there is a 3 day waiting period so on 1/6 I was notified Hope was now covered. To our horror, on the evening of 1/8, I let Hope out in our fenced in yard (very safe, no dangerous areas, etc) while I bundled up for our evening walk. Within minutes, she returned to the door with an 8” x 5” area of her flesh ripped off her right shoulder and chest. It was a horrific injury and we still have no idea how it happened even after walking our property countless times. We have a new fence with nothing sharp so it wasn’t the fence. There were no punctures so not a bite. We are doubtful a bear was inside our fence as they are not too common in our area but it’s the only creature that could do this amount of damage with one swipe. It will likely always be a mystery. In any case, we rushed Hope to an emergency vet where she needed over 60 stitches. Unfortunately due to the location and size of the injury, blood flow to the wound was a challenge and the skin became necrotic. Over the last 20 days, Hope has had 4 surgical procedures. The final one was complex, involving intubation, anesthesia, the removal of large areas of dead skin, installing a drain and stitching her back up. The bills have totaled $6k so far. I submitted our claims to Pet’s Best via a very quick and simple process on the app. They handled the rest, requesting the medical records directly from our vet. Miraculously, I heard within a week that our claims had been processed and paid. I was shocked at how simple they made the process and how quickly they reimbursed us without a single exclusion. This has been an extraordinarily stressful time as a pet owner but I am so grateful that we found Pet’s Best. I have already shared our story with many pet owning friends who share my former cynicism about insurance coverage. While the injury has certainly been a horrific experience, I can’t say enough good things about our experience with Pet’s Best. I highly recommend them!

One of my pups recently had luxating patella surgery, and I am so glad that I had coverage from Pets Best, as orthopedic surgery is not cheap. I am in the veterinary field, so I have gone back and forth with myself about keeping coverage for my animals (I have 3 dogs and 2 cats, so it adds up quick) but this has definitely proven to me that it is totally worth every penny, because I was able to get my girl the best care possible, knowing I would get some of my money reimbursed to make it less stressful, financially. Filing the claim, uploading medical records, and everything was so easy. I was shocked by how quick the whole process was, and how quickly I was able to get the reimbursement. It helps me feel much more at ease, knowing that Pets Best is here to help if my animals need any sort of specialty, or emergency care. Even if you only have accident/illness coverage, it helps with the more unexpected things that come up. Overall I am very happy with my experience, and definitely recommend Pets Best to anyone who is looking to get pet insurance for their furry friends.

When we purchased Pets Best insurance for our adopted dog, Lenny, we hope we wouldn't have to use it for anything other than routine care. When he was diagnosed with bladder stones, the x-rays and surgery proved quite costly. Thankfully, Pet's Best system made it easy to file claims and they paid promptly. Glad we did it!

They hide everything in the fine print. Their accident and illness plan doesn’t cover the emergency exam portion of your emergency visit which is often half of the price of taking your pet to an emergency vet. They also only pay $150 towards spay/neuter and won’t cover anything that is labeled as pre-op such as medications or the pre-op visit, even though they advertise covering spay/neuter. We paid $71/month for 9 months with a new puppy (lots of exams, vaccines, office visits, neuter, and emergency visits) and got reimbursed a whopping $200 total in that time because nothing is covered or even counts toward your deductible. It makes more sense to not have this insurance.