Pets Best Pet Insurance Review

Overview

Pets Best offers customizable pet insurance for dogs and cats, including Accident Only and Accident & Illness coverage. Plans can be adjusted using different annual deductibles, reimbursement levels and annual limits. Optional wellness coverage is also available for routine and preventive care.

Plans

Pets Best offers Accident Only (coverage for eligible unexpected injuries), Accident & Illness (broader coverage for eligible accidents, illnesses, cancer, hereditary and congenital conditions, emergency care, surgeries and prescription medications), and optional Wellness / Routine Care that can be added to eligible plans for routine and preventive expenses. Pets Best also offers different levels of Accident & Illness coverage, with options that can include exam-fee coverage and rehabilitative, acupuncture and chiropractic care depending on the plan selected.

What to check: Confirm which plan types (accident only, accident and illness, wellness add-ons) are currently sold in your state.

Coverage

Accident & Illness plans can cover eligible veterinary expenses related to accidents and illnesses, including emergency care, hospitalization, surgery, diagnostic testing, cancer treatment, hereditary and congenital conditions, and prescription medications. Pets Best allows visits to licensed veterinarians in the U.S. and Canada, including specialists and emergency clinics. Pre-existing conditions are excluded, although certain curable conditions may no longer be considered pre-existing after they have healed and remained free of symptoms and treatment for the required period.

What to check: Read the sample policy’s lists of covered and excluded conditions, not only the marketing summary.

Deductibles

Pets Best uses annual deductibles. Current options range from $100 to $1,000, depending on the plan and location. The deductible applies during each annual policy term.

What to check: Check whether the deductible is annual, per-condition or lifetime, and which amounts are offered.

Reimbursement

Pets Best offers reimbursement options of 70%, 80% or 90% for eligible veterinary expenses, depending on the plan and location. Reimbursement is based on the eligible veterinary bill after the applicable deductible, rather than a fixed benefit schedule.

What to check: Confirm the percentages offered and whether payouts are based on the actual invoice or a benefit schedule.

Annual limits

Pets Best offers annual coverage limits ranging from $5,000 to unlimited for its customizable Accident & Illness plans. Available options can vary by location and policy.

What to check: Look for annual, per-condition and lifetime limits, and whether an unlimited option exists.

Waiting periods

Standard Pets Best waiting periods include 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events and related conditions. Waiting periods can vary by state and policy, and certain requirements may allow applicable waiting periods to be reduced or waived.

What to check: Compare waiting periods for accidents, illnesses and orthopedic conditions, and whether they vary by state.

Age restrictions

Pets Best allows enrollment starting at 7 weeks of age and has no upper age limit for dogs and cats.

What to check: Check the minimum enrollment age, any maximum age, and whether coverage renews for life.

Dental coverage

Pets Best Accident & Illness plans include coverage for eligible dental conditions, including periodontal disease, dental fractures and certain extractions. Dental eligibility can depend on the pet’s age, prior dental history, policy terms, and whether the pet had signs or symptoms before coverage began. For pets age 3 and older, certain periodontal-disease coverage requires a dental cleaning and examination under anesthesia within the previous 13 months. Routine dental cleanings are available through optional wellness coverage, with the BestWellness plan providing up to $150 toward teeth cleaning.

What to check: Find out whether dental is limited to injury or illness or also includes routine cleanings.

Prescription coverage

Eligible prescription medications can be covered under Pets Best Accident & Illness plans, subject to the selected plan, applicable formulary and policy terms.

What to check: Confirm whether prescription medication is covered by default or is optional.

Wellness

Pets Best offers optional EssentialWellness and BestWellness plans for routine and preventive care. Covered items can include wellness exams, vaccinations, diagnostic testing, parasite-prevention medications, microchipping and other routine services. BestWellness also includes a benefit for spay/neuter or teeth cleaning. Wellness benefits have no deductible and begin the day after enrollment. Available benefits and pricing vary by state and pet.

What to check: Compare the add-on’s price with what you would likely spend on routine care.

Claims process

Claims can be submitted online, through the Pets Best mobile app, or through the Customer Center. Pets Best generally reimburses eligible expenses after the claim is processed. Pets Best also offers Direct Vet Pay, which can send eligible claim reimbursements directly to the veterinarian instead of requiring the policyholder to receive the reimbursement first.

What to check: Ask how claims are submitted, how long reviews typically take, and whether direct payment to the vet is offered.

Pros and limitations

Who may consider Pets Best

Pet owners who want customizable Accident & Illness coverage, multiple reimbursement and deductible options, and the ability to choose an unlimited annual coverage limit. It may also appeal to owners who value dental coverage, optional wellness benefits, no upper age limit for enrollment, and the option to have eligible claim reimbursements sent directly to their veterinarian. As with any pet insurance policy, review the policy documents available for your state before purchasing, because coverage, pricing, eligibility, waiting periods and available options can vary.