If you’re considering Pets Best Insurance, save yourself the frustration and look elsewhere. My experience has been nothing short of a nightmare. They have made every excuse imaginable to avoid paying a single claim, twisting the vet’s words and inventing loopholes to deny coverage. Even with clear documentation from my veterinarian, they somehow found a way to reinterpret or outright dismiss it. It felt like they were more focused on protecting their profits than providing the coverage they advertise. Every claim turned into a drawn-out battle, only to be met with another denial and zero accountability. This is not pet insurance—it’s an expensive illusion. I paid my premiums on time and trusted them to have my pet’s back, but all I got was stress and wasted time. If you value your money and your peace of mind, do yourself a favor and steer clear of Pets Best. They’re the worst.

If you’re considering Pets Best Insurance, save yourself the frustration and look elsewhere. My experience has been nothing short of a nightmare. They have made every excuse imaginable to avoid paying a single claim, twisting the vet’s words and inventing loopholes to deny coverage. Even with clear documentation from my veterinarian, they somehow found a way to reinterpret or outright dismiss it. It felt like they were more focused on protecting their profits than providing the coverage they advertise. Every claim turned into a drawn-out battle, only to be met with another denial and zero accountability. This is not pet insurance—it’s an expensive illusion. I paid my premiums on time and trusted them to have my pet’s back, but all I got was stress and wasted time. If you value your money and your peace of mind, do yourself a favor and steer clear of Pets Best. They’re the worst.

For the amount of money I pay on his insurance. Next to nothing was covered on his neuter. The amount of his last bill to get $40 back. I mean come on not even a premium payment back. I will be canceling in the upcoming days your insurance is not worth it

They go up on their rates 30% each year, never pay a full claim, and take 4-6 weeks before you hear anything. My rate went from 113.00 per month to 170.09 and I had no payout. Stay away from this provider.

Not only did not pay for promised vaccines but also declined coverage for my friends’ stating ‘historic issue’. Which pet has never had illness before signing up for your crappy policy?

I do not recommend Pets Best Insurance. We just canceled our policy and will be looking elsewhere. We were with them since 2021 for one of our dogs. Early on, we thought they were ok. Disappointed with some claims not being reimbursed but other claims we received some reimbursement. This past 12 - 18 months has been horrible working with them. We received no reimbursement on any of our claims with the exception of one in May 2024. But then, they requested in June or July that we provide them all vet records for our pet (that has been covered since 2021) which they would already have access to. Seemed like a stall tactic to avoid reimbursement. We paid $80 per month to cover this pet (we also had a 2nd pet covered), have paid out close to $3,000 in vet bills with no reimbursement. If I could give a rating of "0", I would have but this was not an option.

I signed up for a wellness plan, so I don't know why ALL yearly vaccines aren't covered.

Ive had petsbest for my two cats for a few yrs. This past July my poor calico had to go into the ER for respiratory issues that she'd never had before. She had fluid that kept building up in her lung cavity and the ER said she needed to stay for "EMERGENCY OVERNIGHT CARE"... She was in there from Tuesday until Fri night. PetsBest tried to say her "EMERGENCY OVERNIGHT CARE" Falls under routine "officevisits/exams" therefore they would not cover it... No where in their "office visit/exam" section of the policy does it state that "EMERGENCY OVERNIGHT CARE" is considered under the office visit. I feel any common person would assume "emergency overnight care" would fall under the section of "emergency care" 🤷🏽‍♀️ but I guess petsbest doesn't consider it so. Their policy is beyond vague so you really don't know what's actually going to be covered till after the fact. Which they take FOREVER to finish claims. They also did not cover the fee of the overnight doctor informing the morning doctor how my cats progress was doing and a medication that was given to my cat at the ER that was not covered due to it being an over the counter drug which they said fell under the category of "prescription medication" even though that medication was not prescribed to my cat and was only given to her at the Emergency clinic. I can slightly understand that one but the fact they consider my cats "emergency overnight care" as an office visit makes me livid and I will be cancelling them as my provider for my other cat. Would not recommend them to anyone else I care about for their pets!

The claims take months and representatives are unhelpful with explaining the policies. I called to ask if a service was covered and they just said "It's what's in the benefits guide" when I was asking for clarification on what's in the benefits because I read it and didn't understand it. Terrible coverage and really not worth it. Despite close to $1,000 of vet expenses this year plus paying over $300 for this insurance, I barely met the deductible and have only received like $40 in reimbursement. So I have spent more money on the insurance than it is worth. If I knew this I would've shopped around longer for other insurances but it's too late to switch at this point because now my pet has "pre-existing conditions".

Pets Bests denied a legitimate claim for coverage on the basis that it was a pre-existing condition. It was not. The website offers no ability to dispute a denial and erroneous explanation of benefits. Individuals are directed to call a customer service phone number that is not answered by anyone, even AI. Instead, a text message is sent instructing you to go to the website, or call the same customer service number that is not answered. You are placed in a loop that appears designed to frustrate individuals and avoid responding to inquiries. Pets Best provides no ability to dispute a claim and offer no actual customer service. This is contrary to insurance industries standards.