Trusted Guide to Pets Best Dog Insurance

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1. Introduction

If you’re a dog parent, you know how quickly vet bills can pile up. From unexpected accidents to long-term health conditions, caring for your furry friend isn’t always cheap. That’s where pet insurance comes in—giving you peace of mind while helping you manage the costs of care.

Among the many providers out there, Pets Best Dog Insurance stands out as a popular option for pet owners looking for flexible, affordable, and reliable coverage. Whether you’re comparing the best dog insurance plans, thinking about coverage for a puppy, or wondering if insurance is worth it for your senior dog, this guide will walk you through everything you need to know about Pets Best.

We’ll cover plan options, what’s included (and what’s not), how the claims process works, real customer experiences, and even some tips for picking the right plan for your pup. By the end, you’ll have a clear understanding of whether Pets Best is the right insurance provider for your dog—and how to get the most value out of it.

Let’s dive in.

2. What is Pets Best Dog Insurance?

Pets Best is a pet insurance company that’s been around since 2005, created by a veterinarian who wanted to make pet care more affordable for everyone. Their mission is simple: help pet parents get their dogs the care they need without stressing over the cost.

So, what exactly is Pets Best Dog Insurance?

It’s a flexible insurance plan that helps cover your dog’s unexpected vet bills—from accidents and illnesses to some routine care, depending on the plan you choose. Whether you’re dealing with an emergency surgery, ongoing treatment for allergies, or even something as simple as a wellness checkup, Pets Best can help with the costs.

🐶 Plan Options for Every Pup

Pets Best offers a few types of coverage to fit different needs and budgets:

Accident-Only Plans – Great for pet owners who just want coverage in case something serious happens, like a broken bone or swallowing something dangerous.
Accident & Illness Plans – These cover both injuries and illnesses, including things like cancer, arthritis, and ear infections.
Wellness Plans (Optional Add-On) – For routine care like vaccinations, flea prevention, and annual checkups.

The best part? These plans are customizable, so you can choose your deductible, reimbursement rate, and coverage limit to get the right balance of protection and affordability.

🐾 Why Pet Owners Like It

Many pet parents like that Pets Best dog insurance doesn’t have an upper age limit, meaning even senior dogs can get coverage. You can also go to any licensed vet, which makes it super convenient whether you’re at home or traveling.

From basic accident coverage to more complete plans with wellness add-ons, Pets Best gives you the flexibility to build the best insurance plan for your dog—no matter their age, breed, or health condition.

3. What Does Pets Best Cover?

When choosing a dog insurance plan, one of the most important things to look at is what’s actually covered. Pets Best offers a range of coverage options to protect your pup from the unexpected—and some of the everyday stuff, too.

Let’s break it down.

🏥 Covered Treatments and Services

With a Pets Best accident and illness plan, you can expect coverage for:

Accidents (like broken bones, swallowed toys, or cuts)
Illnesses (from ear infections to cancer and everything in between)
Emergency care and surgeries
Prescription medications
Specialist visits and diagnostics (like MRIs or lab tests)
Chronic conditions (like diabetes or arthritis in dogs)
Hereditary and congenital conditions (especially common in purebred dogs)
Some dental treatments (for things like broken teeth)

All of this makes the Pets Best pet insurance plan one of the most flexible options for comprehensive care.

🌿 Optional Wellness Coverage

If you want to go beyond just the unexpected, Pets Best also offers wellness add-ons (for an extra monthly fee). These are great for covering:

Routine checkups
Vaccinations
Flea, tick, and heartworm prevention
Spay/neuter procedures
Microchipping
Teeth cleaning

This type of routine care coverage is especially helpful if you’re trying to stay ahead of potential health issues—and it’s a smart option for puppies or newly adopted dogs.

📋 Customizable for Every Budget

What’s great is that the plans are totally customizable. You can adjust:

Deductibles
Annual coverage limits
Reimbursement percentages

So whether you’re looking for affordable pet insurance for dogs or something more comprehensive, you can build a plan that fits your dog’s needs and your budget.

4. What’s Not Covered?

Like all pet insurance companies, Pets Best has a few things it doesn’t cover—and it’s super important to understand these before signing up. Knowing what’s not included can help you avoid surprises when it’s time to file a claim.

Here’s a simple breakdown of what’s typically excluded from Pets Best dog insurance plans:

🚫 Pre-Existing Conditions

Pets Best does not cover pre-existing conditions—these are illnesses or injuries that showed up before your policy started or during the waiting period. So, if your dog had arthritis or allergies before getting insured, those won’t be eligible for reimbursement.

💡 Tip: The earlier you sign up (especially when your dog is still a puppy), the better your coverage will be.

🧪 Preventive Care (Without Wellness Add-On)

Routine services like vaccinations, flea/tick meds, or annual checkups are not covered under standard accident and illness plans. But! You can add a wellness plan to get help with these costs.

Without the wellness add-on, here’s what won’t be included:

Vaccines
Spay/neuter surgery
Microchipping
Preventive dental cleanings

🩺 Alternative or Holistic Treatments

Pets Best usually does not cover holistic or alternative therapies, such as:

Acupuncture
Hydrotherapy
Herbal treatments

(Some exceptions might apply if prescribed by a vet—so always double-check your policy.)

🐾 Other Exclusions to Know

Cosmetic procedures (like tail docking or ear cropping)
Grooming services
Food, supplements, or vitamins (unless medically necessary)
Breeding or pregnancy-related care

Understanding these limits is key to making the most of your dog insurance and avoiding claim denials. It’s always a good idea to read the fine print—or ask a rep to explain anything unclear—before choosing your plan.

5. Cost Breakdown & Sample Quotes

One of the first questions dog owners ask when shopping for pet insurance is, “How much does it cost?” The good news is, Pets Best dog insurance is known for being affordable and customizable, making it easier to find a plan that fits your budget.

But the actual cost? That depends on a few things.

💰 What Affects the Price?

Your monthly premium is based on several factors, including:

Your dog’s breed (some breeds are more prone to health issues)
Age of your dog (older dogs usually cost more to insure)
Your location (vet costs vary by state or city)
Type of coverage (accident-only is cheaper than full coverage)
Your plan choices (deductible, reimbursement rate, and coverage limits)

Pets Best lets you adjust these settings to create the best dog insurance plan for your needs.

📊 Sample Monthly Quotes

Here are a few examples to give you a general idea:

Dog Profile	Plan Type	Estimated Monthly Cost
6-month-old Labrador in Texas	Accident + Illness	$30–$40/month
3-year-old Bulldog in California	Accident + Illness + Wellness	$45–$60/month
8-year-old Poodle in New York	Accident-Only	$15–$25/month
10-year-old Mixed Breed in Florida	Full Coverage + Low Deductible	$50–$70/month

These are estimates, and your actual quote may be higher or lower. That’s why it’s smart to get a personalized quote based on your dog’s info.

🛠️ Customization Makes a Difference

With Pets Best, you can tailor your plan by adjusting:

Deductible (from $50 to $1,000)
Reimbursement rate (70%, 80%, or 90%)
Annual limit (from $5,000 to unlimited)

This flexibility lets you lower your monthly cost if you’re okay paying a bit more out-of-pocket when something happens—or increase your premium slightly to reduce your vet bills later.

Pets Best pet insurance is especially appealing for pet parents looking for affordable, high-value dog insurance plans without sacrificing quality or coverage.

6. Pros and Cons of Pets Best

Choosing the right dog insurance can feel overwhelming, especially with so many options out there. That’s why breaking it down into the pros and cons of Pets Best can help you see where it really shines—and where it might fall short—so you can decide if it’s the right fit for your furry friend.

✅ Pros of Pets Best Dog Insurance

1. Flexible, Affordable Plans
Pets Best offers customizable options so you can choose your deductible, reimbursement rate, and annual limit. This makes it one of the most affordable dog insurance options on the market.

2. Coverage for a Wide Range of Conditions
From accidents and illnesses to chronic and hereditary issues, the coverage is thorough. It’s a great pick for dogs prone to breed-specific conditions.

3. No Upper Age Limits
Unlike some other providers, Pets Best will cover older dogs, which is a big plus if you’re insuring a senior dog.

4. Fast Reimbursements
Many customers report quick claim processing—sometimes within a few days—especially when using direct deposit.

5. Optional Wellness Coverage
You can add a routine care plan to help cover things like vaccines, flea prevention, and annual checkups.

6. Use Any Licensed Vet
You don’t need to stick to a network—go to any vet, anywhere in the U.S.

❌ Cons of Pets Best Dog Insurance

1. No Coverage for Pre-Existing Conditions
Like most pet insurance companies, Pets Best doesn’t cover any condition your dog had before your policy began.

2. Wellness Plan Costs Extra
If you want routine care included, you’ll need to pay more for a wellness add-on. It’s not included by default.

3. Some Alternative Therapies Not Covered
Treatments like acupuncture or physical therapy may not be covered unless specifically recommended by a vet and approved in your plan.

4. Limited Customer Support Reviews
Some customers have mentioned long phone wait times or delays in email responses—though others have had great service. Your experience may vary.

📌 Bottom Line:

Pets Best hits the sweet spot between affordable pricing and strong coverage, especially for dog owners who want flexibility and don’t want to overpay. While it has a few limitations, it still ranks as one of the best pet insurance options for dogs—especially if you’re looking for customizable coverage and fast claims.

7. Claims Process & Reimbursement Time

Filing a claim might sound like a hassle, but Pets Best makes the process pretty simple. Whether you’re dealing with a sudden accident or an unexpected illness, knowing how the system works—and how fast you’ll get reimbursed—can give you peace of mind.

📝 How to File a Claim with Pets Best

Here’s how the process works, step by step:

Visit Any Licensed Vet
Take your dog to any vet, emergency clinic, or specialist in the U.S.—no network restrictions!
Pay the Bill Upfront
You’ll pay the full vet bill at the time of service.
Submit Your Claim
You can submit claims in a few easy ways:
- Through the Pets Best online portal
- Using their mobile app
- Or by email, fax, or regular mail
Get Reimbursed
After your claim is reviewed and approved, Pets Best will reimburse you based on your selected coverage percentage (like 70%, 80%, or 90%).

💸 Reimbursement Time

One of the things pet parents love about Pets Best dog insurance is the fast reimbursement turnaround. Most claims are processed within 5 to 7 days, especially if you choose direct deposit.

For even quicker turnaround:

Use the online portal or mobile app
Submit clear invoices and medical records
Double-check your claim for missing info

💡 Tip: Some pet owners say they’ve received their money back in as little as 2 days when submitting online!

📂 What You’ll Need for Your First Claim

For your very first claim, Pets Best might ask for:

A full medical history from your vet
Details on any pre-existing conditions

This is standard and helps them determine what’s eligible for reimbursement.

Overall, the Pets Best claims process is straightforward, user-friendly, and fast—especially compared to some other pet insurance providers. If you’re looking for a plan that won’t leave you waiting weeks for reimbursement, it’s definitely a solid option.

8. Customer Reviews & Reputation

Before signing up for any pet insurance, it’s smart to check what other dog parents are saying. And when it comes to Pets Best, the reviews are a mix of high praise and a few common concerns—just like with most insurance providers.

🌟 What Pet Owners Love

Many customers are happy with Pets Best Dog Insurance, especially for its affordability and ease of use. Here are some of the most common positives mentioned in reviews:

Fast claim reimbursements
A lot of users report getting reimbursed quickly—sometimes within just a few days.
Easy-to-use mobile app
The app makes it simple to upload receipts, track claims, and manage your plan on the go.
Flexible, budget-friendly plans
Many reviewers appreciate the variety of options, especially for puppies, senior dogs, and dogs with chronic conditions.
No vet restrictions
Pet parents love that they can use any licensed vet, including specialists and emergency clinics.

😕 Common Complaints

Like any service, Pets Best has its drawbacks. Here are a few issues mentioned in reviews:

Customer service delays
Some users say they’ve experienced long wait times on calls or slow email responses.
Denied claims for unclear reasons
A handful of reviewers mention claims being denied due to lack of documentation or confusion around pre-existing conditions.
Wellness plan limits
While the routine care add-on is helpful, some customers felt the reimbursement amounts didn’t fully match their out-of-pocket costs.

🗣️ Overall Reputation

Yelp Rating: Mixed (some users highlight great service; others report delays)
Better Business Bureau (BBB): Generally positive but with occasional complaints
Trustpilot & Other Sites: Varies by individual experience, but Pets Best maintains a strong presence in the pet insurance industry

💬 “I’ve had Pets Best for my dog since he was a puppy. They’ve covered every illness without a hassle. Submitting claims is super easy, and I always get reimbursed quickly!” – Verified Reviewer

In short, Pets Best is trusted by thousands of pet parents and holds a solid reputation in the market. While no pet insurance is perfect, most customers find the coverage, pricing, and overall experience to be well worth it—especially when the unexpected happens.

9. Is Pets Best Right for You?

With so many options out there, you might be wondering:
“Is Pets Best dog insurance really the right choice for me and my pup?”

Let’s break it down so you can decide based on your dog’s needs—and your budget.

🐶 Pets Best Might Be a Great Fit If You…

✅ Want affordable, flexible coverage
You can build a plan that works for your wallet by adjusting your deductible, annual limits, and reimbursement rate.

✅ Need coverage for both accidents and illnesses
From unexpected injuries to long-term health conditions, Pets Best offers solid protection.

✅ Prefer quick, digital claims processing
With an easy-to-use app and fast reimbursements (especially via direct deposit), the process is super convenient.

✅ Have a senior dog or purebred pup
Pets Best doesn’t have an upper age limit, and it covers many hereditary and chronic conditions—perfect for older pets or breeds with known health risks.

✅ Like the option to add routine care
Wellness add-ons make it easy to stay on top of vaccines, checkups, and preventive care.

🐾 Pets Best May Not Be Ideal If You…

❌ Need coverage for pre-existing conditions
Like most pet insurers, Pets Best doesn’t cover anything diagnosed before your policy starts.

❌ Rely on alternative treatments
Things like acupuncture or physical therapy might not be covered unless specifically approved.

❌ Prefer in-person customer service
Some users report slow response times over the phone or via email—though this varies.

🤔 Final Thought

Pets Best stands out for its affordable pricing, strong coverage options, and user-friendly approach to pet insurance. If you’re looking for reliable dog insurance that won’t break the bank—especially if you value flexibility and fast reimbursements—it’s definitely worth a serious look.

Still unsure? Getting a free quote is quick and can help you see exactly what your monthly cost and coverage would look like for your specific dog.

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10. Final Verdict: Is Pets Best Dog Insurance Worth It?

If you’re a pet parent who wants peace of mind, affordable coverage, and the ability to tailor a plan to fit your pup’s needs, then Pets Best Dog Insurance is absolutely worth considering. It offers comprehensive protection against accidents, illnesses, and even routine care (with add-ons), all while keeping things flexible and budget-friendly.

From puppies to senior dogs, the coverage is built to grow with your pet—and with features like fast claims processing and no vet network restrictions, it’s easy to see why thousands of dog owners trust Pets Best.

🐕 TL;DR – Why Choose Pets Best?

✅ Customizable plans for any budget
✅ Coverage for accidents, illnesses, hereditary & chronic conditions
✅ Wellness add-ons for routine care
✅ Fast, digital claims process
✅ Works with any licensed vet in the U.S.