4.6 _/5

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Pet Insurance

Accidents covered in as little as three days after enrollment
24/7 pet helpline
30-day money-back guarantee

6-month waiting period for cruciate ligament injuries

Annual coverage	$5,000 or unlimited
Reimbursement	70%, 80%, or 90%
Deductible	$50, $100, $200, $250, $500, or $1,000

Being a pet owner brings joy and companionship into your life, but many responsibilities are involved in having a cat or a dog—including caring for its health.

Pets Best provides coverage for cats and dogs throughout the United States to help offset the costs of vet bills. This Pets Best insurance review highlights benefits and downsides, cost, and coverage options available.

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Pets Best insurance costs & coverage
Pros & cons of Pets Best
More about Pets Best

Pets Best insurance costs & coverage

Terms	Detail
LendEDU rating	4.6/5
Eligible pets	Cats & dogs
Annual benefit	$5,000 – Unlimited
Reimbursement amount	70%, 80%, or 90%
Deductible amounts	$50, $100, $200, $250, $500, or $1,000
Minimum pet age	7 weeks
Medical exam required?	No
Monthly premiums	As low as $6, but vary based on policy and location
	Get a quote

Since 2005, Pets Best has provided coverage for routine wellness care and emergency care for pet owners and their furry friends. Headquartered in Idaho, the company focuses on helping pet parents prepare financially for a health emergency.

Pets Best covers more than 100,000 pets throughout the country.

What does Pets Best Pet Insurance cover?

Pets Best pet insurance has many plan options covering different health issues. Available plans include:

Essential Plan: This plan covers accidents, illnesses, cancer, hereditary conditions, emergency care, surgeries, and prescription medications. There is no annual limit on coverage, but exam fees, rehabilitative care, and alternative therapies are not covered.
Plus Plan: This covers everything in the Essential Plan, plus accident and illness exam fees. Rehabilitative, acupuncture, and chiropractic care are not included, but pet owners still have unlimited annual coverage.
Elite Plan: This plan covers everything in the Plus plan as well as rehabilitative and alternative care. Annual coverage is unlimited with this plan too.

Pet parents may also opt for an accident-only policy that does not cover routine care or vet visits in case of illnesses. Pets Best also offers a wellness plan as an add-on. The wellness plan covers routine veterinary care, including vaccinations, wellness exams, heartworm tests, deworming, and microchipping, up to specified limits for each care category.

Each Pets Best insurance policy is available for dogs or cats at least seven weeks old. No pre-existing conditions are covered under any policy.

How much does Pets Best Insurance cost?

The cost of pet insurance depends on several factors, including the age of the pet, any past medical issues, and the extent of coverage a pet owner wants or needs.

As an example, a policy from Pets Best for a five-year-old dog with no previous major medical issues, a $500 deductible, and a 90% reimbursement level cost:

$25.84 per month for an Essential Plan
$30.14 per month for a Plus Plan
$31.54 for an Elite Plan

For most healthy pets, the cost ranges from $19 to $62, depending on the plan.

Coverage is available after a three-day waiting period for accidents and a 14-day period for illnesses. Pet owners can select a reimbursement rate and a deductible. The lower the reimbursement rate and the higher the deductible, the lower the premium.

Premiums will vary based on your pet, policy, and location.

Is There Pet Insurance With No Waiting Period?

Pros & cons of Pets Best

Before signing up for a policy through Pets Best, it’s important to consider the benefits and downsides.

Pros

Policies can be customized to cater to each pet owner’s needs

Some plans offer unlimited annual benefits, routine care coverage, options for covering exam fees, and the ability to select a deductible.
No maximum age limit

Can be an option for pet owners with older dogs or cats.
Promises to pay out approved claims for vet bills in five days or fewer

Pet owners have the option to pay the vet directly or through direct deposit.
Free access to a 24/7 Pet Helpline

Get answers to pet health questions at any time of the day or night from veterinary experts at WhiskerDocs.
Accidents covered in as little as 3 days after enrollment
30-day money-back guarantee

Cons

No coverage for pre-existing conditions

If your pet has experienced a health issue, Pets Best won’t cover it.
Premiums increase over time as a pet ages
Less-than-stellar customer reviews.

Customers claim the insurer didn’t pay claims for veterinary visits they believe should have been covered or delayed payment of approved claims.

How to get a Pets Best policy

You can sign up for a Pets Best Policy online in a matter of minutes. Just visit the Pets Best website and provide your pet’s:

Type
Breed
Name
Age
Gender
Primary veterinarian
Information about past symptoms

You’ll also need to provide your own name and information, such as your location and whether you’re a military member.

After you submit your information, you’ll be offered a range of policy options, and you can tweak the details to match the premiums and coverage you’d like. After you choose a policy and submit your first payment, your policy’s waiting period begins.

Where is Pets Best Insurance available?

Pets Best pet insurance policies are available throughout the United States.

Pets Best customer service

Pets Best reviews are not as strong as several other pet insurance providers, with most negative reviews alleging improperly denied claims and long wait times for claims reimbursement. However, the company offers several ways to get in touch.

Pet owners can call the company Monday through Friday from 6 a.m. to 7 p.m. Mountain time and Saturdays from 6 a.m. to 2 p.m. at 1-877-738-7237.

The company offers a live chat option on its website and a message function that sends an email to customer care representatives. Pet owners may also connect with Pets Best on social media or via fax at 1-866-777-1434.

Where to find Pets Best alternatives

Pets Best policies are extensive in their coverage and competitive in price, but they may not be right for everyone.

To compare Pets Best with other options, check out our guide to the best pet insurance companies. For comprehensive reviews, check out our list of pet insurance companies to learn more.

How we rated Pets Best

Pets Best scored a LendEDU rating of 4.6 out of 5. We rate pet insurance companies based on a variety of data points including coverage, cost, customer ratings, benefit limits, exclusions, and more.

Ready to take out a pet insurance policy with Pets Best? Get a quote on its website.

View Rates

Deductible: $50 – $1,000
Reimbursement: 70%, 80%, or 90%
Benefit limit: $5,000 – Unlimited