Pets Best Pet Insurance Review & Prices

Pets Best Pet Health Insurance

Overall Rating 4.3 / 5

five star review
  • Affordable Premiums
    • For dogs – from $26
    • For cats – from $16
  • Customizable Plans
    • Deductibles: $50 to $1,000
    • Reimbursement rates: 70%, 80%, 90%
    • Annual coverage limits: $2,500, $5,000, $10,000, Unlimited
  • Comprehensive Coverage
    • Accident & illness plans
    • Accident-only plan available
    • Optional wellness add-ons

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About Pets Best Pet Insurance 🌟

Pets Best Pet Insurance is renowned for its commitment to the comprehensive well-being of pets, offering diverse and affordable coverage options. Known for its competitive premiums and array of plan choices, Pets Best provides pet owners peace of mind.

Key Highlights
Pets Best specializes in a broad spectrum of dog and cat insurance plans, encompassing accident and illness coverage. The provider is also known for its accident-only plans, tailored for senior pets, emphasizing its inclusive approach to pet insurance.

Why Choose Pets Best?
Distinguishing itself with customizable policies, Pets Best allows pet owners to select deductibles, reimbursement rates, and coverage limits that best suit their needs. This flexibility and competitive pricing position Pets Best as a top choice for those seeking personalized, cost-effective pet insurance solutions.

A Partner in Pet Wellness
More than just an insurance provider, Pets Best aims to be a supportive partner in every pet’s wellness journey. The company is acclaimed for its straightforward claims process and attentive customer service, ensuring pet insurance is a smooth, hassle-free experience for pet owners focused on their pets’ health and happiness.

Pets Best Pet Insurance Plans and Coverage🛡️

Explore Pets Best’s diverse range of pet insurance plans, thoughtfully designed to cater to the needs of both dogs and cats.

Accident and Illness Plans
Pets Best provides Accident and Illness plans offering a range of customizable options, including various deductible amounts, reimbursement rates, and annual coverage limits. These plans focus on covering a wide array of health needs, such as diagnostic tests, dental issues, cancer treatments, chronic illnesses, and congenital conditions.

Accident-Only Plans
For older pets, particularly those over 14 years, Pets Best offers accident-only plans. These plans offer essential coverage for unexpected injuries and accidents, ensuring continuous protection regardless of age-related health concerns.

Optional Wellness Add-Ons
Emphasizing preventive care, Pets Best provides optional wellness add-ons, designed to manage routine healthcare expenses. These include coverage for routine exams, vaccinations, spaying/neutering, and other wellness procedures, allowing pet owners to choose a level of coverage that aligns with their pet’s needs.

Waiting Periods and Coverage Limitations
Pets Best implements specific waiting periods: a short three-day waiting period for accident coverage and a standard 14-day waiting period for illness coverage. There’s also a six-month waiting period for cruciate ligament conditions. While preexisting conditions are generally excluded, Pets Best offers comprehensive coverage to support your pet’s overall health.

Pets Best Pet Insurance Cost 💵

Pet insurance costs vary based on several factors, including your pet’s age, breed, and location, along with the specific coverage options you choose. Here is a detailed breakdown of the average monthly premiums for both dogs and cats with Pets Best:
Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness  $58
Cat Accident & Illness $35

Additional Costs and Fees:

  • One-time Enrollment Fee: May vary
  • Monthly Payment Processing Fee: May apply

Customization Options:
Adjust your plan based on the following criteria to influence the overall cost:

  • Annual Deductible: Options range from $50 to $1,000.
  • Reimbursement Rate: Choose from 70%, 80%, or 90% reimbursement.
  • Annual Coverage Limit: Select from $5,000, $10,000, or Unlimited coverage.

Factors Influencing Cost:
Consider these factors which may affect your premium rates:

  1. Breed and Age: Different breeds and older pets often have varying premium rates.
  2. Location: Costs can vary based on regional veterinary expenses.
  3. Coverage Level: Opting for higher coverage levels can lead to higher premiums.

Discounts and Savings:
Pets Best offers several discounts that could reduce your overall insurance costs, including:

  • Multi-Pet Discount: Enjoy savings when insuring multiple pets with Pets Best.
  • Military Discount: Exclusive discounts available for military families.

Frequently Asked Questions❓🙋

What types of plans does Pets Best offer?

Pets Best provides various plans including accident and illness coverage, accident-only plans, and optional wellness add-ons for routine care.

Are there age restrictions for pets to be eligible for coverage?

Pets as young as 7 weeks old can be insured. There is no upper age limit for coverage.

Can I customize my Pets Best insurance plan?

Yes, you can customize your plan by selecting different levels of deductibles, reimbursement rates, and annual coverage limits.

Does Pets Best cover hereditary and congenital conditions?

Pets Best’s plans cover hereditary and congenital conditions, provided they are not pre-existing.

How does the reimbursement process work with Pets Best?

After paying your vet bills, you can submit a claim to Pets Best. They will reimburse you for a percentage of the bill based on your plan’s reimbursement rate, after the deductible is met.

Are there waiting periods for Pets Best coverage to begin?

A waiting period of three days for accidents, 14 days for illnesses, and six months for cruciate ligament conditions (varies in Maine).

Does Pets Best cover preventive care?

Preventive care is covered under Pets Best’s wellness add-ons, which are available for an additional fee and cover routine care like vaccinations and wellness exams.

Can Pets Best insurance be used with any veterinarian?

you can use Pets Best insurance with any licensed veterinarian in the U.S.

What is not covered by Pets Best insurance?

Exclusions typically include pre-existing conditions, elective procedures, and non-medical expenses like grooming.

Are there any discounts available for military families with Pets Best?

Pets Best offers special discounts for military families in most states.

Can I cancel my Pets Best policy anytime?

you can cancel your policy at any time by contacting Pets Best customer service.

Pets Best Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Pets Best. Read testimonials to explore their experiences with this trusted pet insurance, from Forbes, Investopedia, Nerdwallet, and so on.


Pets Best combines great coverage with a good price. Its wide range of deductible choices helps you budget for possible claims. Like other best pet insurance companies, Pets Best offers accident and illness plans, as well as an accident-only plan.

four star review


Pets Best was launched in 2005 by Dr. Jack Stephens, a veterinarian. Pets Best sells policies directly to pet owners through its website.  As of 2022, Pets Best has insured over 500,000 pets across North America. Pets Best’s policies are available in all 50 states.

star reviews 4.5


Pets Best earned 5 stars out of 5 for overall performance. Pets Best provides multiple coverage options at different price points for cats and dogs. You can choose a comprehensive accident and illness plan or a simplified accident-only policy.

five star review


Pets Best Insurance was founded in 2005 by Dr. Jack Stephens. Nearly two decades later, Pets Best remains one of the best pet insurance providers, offering comprehensive coverage for pets of all ages. Pets Best is a good choice if you want 24/7 support.

reviews 4.5

Pawlicy Advisor

Pets Best Insurance Services was founded in 2005 by Dr. Jack Stephens, known as the “father of the pet insurance industry,” for launching the first pet insurance company in North America. Pets Best has earned a one of the best pet insurance companies on the market.

Pawlicy Advisor
four star review


Pets Best is No. 1 in our Best Pet Insurance Companies of 2023 rating. Pets Best offers accident-and-illness plans and an accident-only plan, and pet owners can customize their accident-and-illness coverage by adjusting their deductible,  and annual benefit limit.

US News
four star review


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