Pets Best pet insurance review 2025

Core Insights - Pets Best is recognized as the top pet insurance provider by Yahoo Finance, achieving a 5 out of 5 stars rating for its Elite policy due to its competitive pricing and comprehensive coverage [1] Policy Overview - Pets Best offers three insurance plans: Essential, Plus, and Elite, with the Elite plan receiving the highest rating of five stars, followed by Plus at 4.7 stars and Essential at 4.6 stars [1] - The Elite plan provides extensive coverage, including accident and illness protection, while the other plans offer varying levels of coverage [8] Coverage Details - The Elite policy covers a wide range of conditions, including hereditary and congenital issues, cancer, and infections [7] - Specific exclusions include chronic problems like hip dysplasia and diabetes, as well as supplements and prescription food [5][14] Financial Aspects - Pets Best offers an unlimited annual coverage option and competitive pricing, particularly for the unlimited policy, which is noted as a bargain compared to other providers [17][18] - The policy includes various deductible options ranging from $50 to $500 and reimbursement choices of 70%, 80%, or 90% [6] Claims Process - Claims can be submitted online, and Pets Best typically processes payments within five to seven days for bank account reimbursements [21][23] - A 180-day window is provided for submitting claims after a vet visit [22] Additional Features - Pets Best provides a 24/7 telehealth line for pet owners, allowing unlimited access to veterinary experts [13] - A mobile app is available for users to manage their policies, submit claims, and access coverage information, receiving high ratings on app stores [24][28] Discounts and Offers - A 5% multi-pet discount is available for customers insuring more than one pet [19] - There is no requirement for a medical exam to purchase a policy, and a 30-day free look period allows for cancellation with a full refund if no claims have been made [26][27]