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Pet parents across the U.S. and Canada have left over 216,731 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Insurer: Spot
By: David Boyd
Repeated Claim Issues/Appeals and Unclear Policy Communication
Our experience with Pets Best health insurance has been consistently disappointing. Each claim we have submitted has required an appeal due to what appeared to be inaccurate or inconsistent initial evaluations. This recurring issue has made the process unnecessarily time-consuming and frustrating. A major concern is the lack of consistency in claim assessments. Decisions seem to vary depending on the reviewer, leading to outcomes that feel subjective rather than based on clear, standardized criteria. In many cases, the initial denials have not appeared justified, requiring additional effort on our part to correct them. Additionally, the overall lack of transparency has been challenging. Certain policy limitations and exclusions were not clearly communicated upfront, which has made it difficult to understand coverage and anticipate claim outcomes. This has created the impression of “hidden” policies that only become apparent after a claim is denied. Due to these ongoing issues—specifically the cumbersome claims process, inconsistent evaluations, and lack of clarity around coverage—I would not choose Pets Best again and cannot recommend their services.
Insurer: Pets Best
By: Jennifer
Spot has made this process simple
Spot has made this process simple
Insurer: Spot
By: Nicole Garavaglia
Horrible
Horrible. They don't want to insure rabbits. They consider gi stasis preexisting. Would not recommend
Insurer: Nationwide
By: Lisa Copeland
Lifelong Customers
We’ve used them for years for our two dogs. It’s been pricey, but worthwhile for us. We’ve used it for numerous ER visits and surgeries with quick turnaround times.
Insurer: Pets Best
By: Miller
The experience was made user-friendly
The experience was made user-friendly, easy to understand, and quick, thank you!
Insurer: MetLife
By: Furbaby Mom
Quick response to claims.
Quick response to claims.
Insurer: MetLife
By: Borrego
Really easy software and family plans…
Really easy software and family plans which is great.
Insurer: MetLife
By: Susan Boyer
Ridiculous
I submitted my claim for a medication and it came back denied and stated not on their list. They had reimbursed for this liver medication before and it is on their list. I called and it took me 40 minutes to get a human on the telephone that said it had been denied in error and she would resubmit for a HUMAN to reevaluate. I submitted the claim on March 1,2026 and just got email stating I was being reimbursed on April 14,2026. The amount of time you are on hold for a human to answer in customer service is HORRIBLE. A month and half for a claim is even worse. I loved Pets Best when I first got it 8 years ago but now if not for the pre existing to switch I would definitely switch companies.
Insurer: Pets Best
By: Lee Ann Mathis