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Pets Best Pet Insurance Company Review

Looking for the best insurance policy for your pet?

There are hundreds of insurers available to choose from each of which boasts of being the best available. However, most companies are notorious for rejecting claims, finding loopholes, and harassing pet owners.

So, you need intensive research to choose the right pet insurance company for yourself.

In this blog post, we will go through the policies of Pets Best Pet Insurance company and help you figure out whether or not it is the right choice for your pocket and your furry friend’s health.

Without any further ado, let’s get started, shall we?

Here we go.

A Quick Look at the Pets Best Pet Insurance Company

The Pets Best Pet Insurance Company is one of the best pet insurance company to choose from. This company was founded by Dr. Jack Stephens who is regarded as the father of pet insurance industry in North America.

The company aims to end economic euthanasia by helping out the pet owners financially when their furry friends need unexpected veterinary care.

Currently, over 100,000 pets across the United States are insured by this company.

The basic coverage payout is based on actual charges and you can use any licensed veterinarian in the United States. Most claims are processed within five days by the company and following isn’t covered under their policy:

  • Pre-existing conditions
  • Parasites
  • Elective procedures
  • Non-veterinary expenses
  • Herbal, holistic and experimental therapies and medications

What You Need to Know Before Investing in the Policy

In this section of the blog, we will go through a few things you need to know before you invest in their policy.

Let’s take a look, shall we?


This company offers three levels of coverage for your pet which are arranged differently that other pet insurance companies.

The Essential, Plus, and Elite plans offered by this company cover almost all illnesses, accidents, non-pre existing hereditary conditions, and emergency care.

However, the plans include prescription coverage which not something that all pet insurance companies do. The Elite and Plus policies cover rehab therapies, exam fees, acupuncture and chiropractic.

You also get to choose an accident only policy that is set at $10,000 annual limit, with a 90% reimbursement percentage and $250 deductible.

The company covers cats as well as dogs.

Medical Conditions Covered by Pets Best

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered by Pets Best

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

The Plus and essential plans offered by this company have an annual coverage limit of $5,000 which is something that you need to keep in mind when choosing a plan since in addition to the extra covered services, you will still have a $5000 maximum.

With the Elite plan, you have unlimited annual benefits.

However, this model is restricted when you compare it to other companies as they allow you to have more options for annual limits.

Reimbursement & Deductibles

One of the best things about Pets Best is that the company allows you to choose the following reimbursement levels:

  • 70%
  • 80%
  • 90%

The reimbursements are provided up to a plan’s coverage limits.


The company allows you to have the flexibility to set your deductibles in increments between $50 and $1000 which is in line with all the top pet insurance providers today. The deductibles are paid annually.

Enrollment & Waiting Periods

Another thing that I like about Pets Best pet insurance is that they allow enrollment at any age and there are no age restrictions for policy extensions either. The company has a waiting period of 14 days for illnesses after the effective date and for 3 days for accidents.

The minimum enrollment age is 7 weeks and the free look period is of 30 days.

Claims & Service

The company will not raise your premium due to the number or types of claims made within a given year.

Pets Best also has an unusually fast claims processing and if you use direct deposit, you get your reimbursement within the week!

The company also provides you with a 24/7 veterinary support line for all customers.

Is Pets Best Pet Insurance Company Worth It?

Pets Best pet insurance company is one of the best pet insurance companies to choose from. The company aims to help pet owners financially when their pets needs emergency veterinary attention.

All in all, the company has excellent policies and a fair reimbursement model. It covers cats as well as dogs and has swift claim processing and reimbursement. However, the annual limit for all plans is $5000, which can be a con for some.

But it always…

Important to understand that while Figo is a great pet insurance company, they are jsut one of several that you will want to consider.  For more information on who we feel currently offers the “best” pet insurance policies out there, we would encourage you to check out our Best Pet Insurance Policies article.

Have questions? Leave them in the comments, and we will get back to you as soon as we can!

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