Overview
Pets Best has three tiers — BestBenefit (their flagship accident and illness), Plus (adds rehab and behavioral), and Elite (adds wellness rewards). You pick the tier that matches what you want. Unlike Healthy Paws, they cover exam fees by default at all tiers. Unlike some others, they have no upper age limit for enrollment — useful for senior rescue dog adopters.
Claims are reimbursed in 5-30 days depending on complexity. The interface and app aren't as polished as Lemonade, but they're functional. Customer service is mixed in independent reviews — some report excellent experiences, others report long phone holds. Underwritten by American Pet Insurance Company.
Pets Best is owned by Synchrony Financial (the consumer-credit giant), which gives them deep pockets and stable backing — relevant if you're insuring a pet for 15 years and care about insurer solvency.
Owners who want multiple plan tiers to choose from and don't want to be aged out at 12+.
✓ Strengths
- →Three plan tiers — pick comprehensiveness that matches your budget
- →Exam fee coverage standard at all tiers
- →No upper age limit for enrollment
- →Covers behavioral, rehab, alternative therapies (Plus and Elite tiers)
- →Direct vet payment available with some hospitals
- →Lowest deductible option in market ($50)
⚠ Drawbacks
- →App and UX not as polished as Lemonade or Trupanion
- →Customer service reviews are mixed
- →Wellness rewards capped at low annual amount
- →6-month orthopedic waiting period (industry standard but still long)
- →Three-tier structure means more decisions for new buyers
Pricing on Long Island
Wellness add-on (Elite): +$16-$26/month
Plan structure
What's covered
Our take
Skip Pets Best if: Owners adopting senior pets needing immediate orthopedic coverage, anyone wanting absolute simplest plan.
Pick Pets Best if: Owners of older pets who can't get insured elsewhere, owners who want comprehensive coverage including behavioral and rehab.
Fine print to know
- Plus and Elite tiers cost more upfront but include therapies that have to be added separately at other insurers.
- Wellness rewards is reimbursement-style, not bundled premium credit.
- Underwritten by APIC; check current AM Best rating before enrollment.
Get a real quote for your pet
Pricing varies by breed, age, and ZIP. Always quote on the carrier's own site.
Visit Pets Best →We don't take commissions from insurers. This is an independent review.