Pet's Best never reimburses me, though my claims are filed properly for covered conditions. I do not recommend Pet's Best insurance.

I purchased this insurance in May 2025, paid for two full months, and when I finally needed it, it was absolutely useless. I spent $200 on routine veterinary exams that the policy clearly states are covered — but of course, they weren’t. Instead, I was asked to provide my pet’s entire medical history from over a year ago. I came from Brazil, where it’s not common for vets to keep such detailed records — we simply don’t have them. So, in the end, I paid PetBest (which is far from “best”) for two months of premiums and then had to pay another $200 out of pocket. Horrible, horrible service. I would never recommend this insurance to anyone. Insurance is supposed to help in times of need — not create more problems and bureaucracy. Now I’m trying to cancel a policy that never helped me and is still charging me through automatic debit — and guess what? There is NO option to cancel it on the website. Absolutely ridiculous.

I have two dogs that are covered by Pets Best insurance and have been covered at least for four years. ( they are 5 and 6 years old). I have submitted two claims for each - three of the claims have been denied due to conditions they claim existed before the insurance went into effect. The last denial is for an ear infection and medication to treat it. Neither one of my dogs have ever had an ear infection before. I expected a denial in order to meet my copayment obligation, but was surprised to see that reason. I expect that any claim I put in for that dog will be denied for that reason.

Reimbursement took a while to get to me. Everytime i would submit a document, i would wait several days, without knowing if they were fine or not. When i finally received word back, some of the documents were not submitted correctly or they needed additional information which would delay the processes. When I submitted everything correctly, they would take an additional 10 days for their regular processes.

Updating from a 2 to a 1..... they. are. awful...Set-up and payment process fairly easy. However, once you file a claim - extreme patience is needed. They can take your money easily - but it's completely different when it's time for them to pay. Considering changing companies.

Don't get stuck with this insurance like I did. If you're going to get insurance for your pet, make sure that your annual max is unlimited, all the veterinarian services only get more expensive every year and there is no way you can change your annual limits or change your insurance company without changing the plan, and that means that anything your pet is seen before will be considered preexisting, even if you think it won't, insurance will find a way to not cover the claim. Pets Best always takes a long time to resolve a claim and they often don't want to cover it because it's pre-existing or something else. Also, they increase the premiums often and there is no way you can also increase your annual limit, you end up paying more for insurance every year and they'll cover less of the expenses.

I was happy with Pets Best back when I started my policy. No changes have EVER been made on our part. Each year the rate goes up. We started in May 2022 $65.12 , May 2023 $70.69, May 2024 $85.76 Now this May 2025 it jumped to $109.50. We have a 3 year old mini Aussie doodle. Then this last reimbursement has taken 15 days to determine and at day 19 still has not been automatically deposited. Please keep in mind they are Located in Florida and not available to speak with accounting on a weekend. This means reimbursemnet will be over 3 weeks.

I am so disappointed with the service of this insurance. I just received my recent billing, and there was an increase in my policy. There was no notification that the policy would be increased or the reason. They take forever to process a claim.

Your time frame for processing claims is ridiculous sometimes 2-3 or up to 4 weeks. I could understand that time time frame for a first claim but any other claims you have already received pets info from vets so no need to request the same thing on every claim. I am considering going back to Nationwide there claim time was usually 3-4 days and immediate reimbursement.

Don't bother unless you can afford for your rates to go up every single year. This year they raised my rate $20 for no good reason but because my boy is year older making him 4 yrs old. Total scam like every other insurance company. I have a $500 deductible so I never use the coverage anyway. All out of pocket and rates still go up. What a joke!!! I will be canceling.