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Pets Best Review 2025

Finding pet insurance that fits your needs can be challenging, but Pets Best offers a variety of plans that aim to simplify the process. Since its founding in 2005, Pets Best has insured over 750,000 pet owners, providing coverage for accidents, illnesses, and even routine care like vaccinations and checkups.

Pets Best is designed to meet the diverse needs of pet owners, whether you’re looking for basic accident coverage or more comprehensive plans that include wellness visits. The provider offers customizable options, an easy claims process, and 24/7 access to a Pet Helpline for health-related questions. With the ability to visit any vet in the U.S. or Canada, Pets Best is built with flexibility and convenience in mind, making it easier to handle unexpected veterinary expenses.

Pets Best pros and cons

Pros

    ✔ Affordable accident-only plans starting at $6/month for cats and $9/month for dogs

    ✔ Routine care add-ons are available

    ✔ Direct deposit claim reimbursements for faster payouts

Cons

    ⨉ Pre-existing conditions are not covered

    ⨉ Routine care plans require an additional premium

Best features

  • 24/7 Pet Helpline: Veterinary experts are available around the clock to answer your pet health questions.

  • Routine care add-on: Covers expected expenses like vaccinations, dental cleanings, and spay/neuter procedures.

  • Customizable policies: Adjust annual limits, deductibles, and reimbursement rates to fit your budget.


Pets Best insurance basics

About Pets Best

Pets Best provides flexible pet insurance options designed to meet the needs of pet owners, whether you’re looking for basic coverage or a more comprehensive plan. Their policies include accident-only and accident-and-illness plans, and you can enhance your coverage with an optional wellness add-on for routine care like vaccinations and dental cleanings.

These plans are available for dogs and cats of all ages and allow you to visit any licensed veterinarian in the U.S. or Canada—there’s no need to worry about staying within a specific network. Pets Best also offers transparent pricing, customizable options (like annual limits, deductibles, and reimbursement rates), and helpful tools like Vet Direct Pay, which allows payments to go directly to your veterinarian.

Filing claims is straightforward, too. You can easily submit itemized vet bills online or through the Pets Best app, and reimbursement is quick, with funds deposited directly into your bank account. Features like the 24/7 Pet Helpline ensure that expert advice is always just a call away, giving pet parents peace of mind when it comes to their furry friend’s health.

How does a Pets Best policy work?

Getting started with Pets Best is simple and designed to save you time. Here’s a quick overview:

  1. Get a quote
    Enter your pet’s basic details online, like age and breed, and get a personalized price estimate in just 60 seconds.
  2. Enroll online
    Pick a plan that works for you, complete the sign-up, and pay your first premium. After a short waiting period (3 days for accidents and 14 days for illnesses), your coverage begins.
  3. Visit any vet
    Pets Best lets you choose any licensed vet in the U.S. or Canada—no need to stick to a specific network.
  4. File claims easily
    After a vet visit, take a photo of your itemized bill and upload it through the Pets Best app or website. Reimbursement is fast and sent directly to your bank account.

VISIT SITE ➜
Pets Best Insurance Agency, LLC


Plan and policy information

Plan Coverage Includes Starting Cost
Accident Only Injuries, broken bones, snake bites, and accidental ingestion. $6/month (cats)
Accident & Illness Illnesses, accidents, hereditary conditions, cancer, diagnostics, surgery, and more. $22/month (cats)
Routine Care Add-On Preventive care like checkups, vaccinations, spay/neuter, and dental cleanings. $14/month

VISIT SITE ➜
Pets Best Insurance Agency, LLC



The bottom line

Pets Best is recognized for its flexibility and range of pet insurance options, offering plans to suit various needs. Whether you’re interested in accident-only coverage for unexpected emergencies or a more comprehensive plan that includes illnesses and routine care, Pets Best provides a variety of choices to fit different budgets and priorities.

With customizable coverage, an easy-to-navigate claims process, and helpful features like Vet Direct Pay and a 24/7 Pet Helpline, Pets Best is designed to make managing your pet’s healthcare straightforward. These options can be particularly useful for pet owners who want to plan for the unexpected without adding unnecessary complexity.

For those considering coverage, getting started with Pets Best is quick. Their online quote tool can provide an estimate in about a minute, helping you explore the costs and benefits of protecting your pet’s health.

Pets Best FAQs

1. How much does Pets Best cost?
The cost of Pets Best insurance varies based on your pet's age, breed, location, and selected coverage options. Accident-only plans start at $6/month for cats and $9/month for dogs. Comprehensive accident and illness plans start at $22/month for cats and $36/month for dogs.

2. What does Pets Best cover?
Pets Best covers a range of scenarios, including accidents (injuries, swallowed objects, emergencies), illnesses (chronic conditions, cancer, hereditary issues), and an optional routine care add-on (vaccinations, dental cleanings, spay/neuter, annual checkups). For a full list please visit Pets Best.

3. How do I file a claim with Pets Best?
Filing a claim is easy. First, take a photo of your vet bill. Next, upload the image through the Pets Best app or website. Finally, reimbursement will be received via direct deposit or check.

4. Are there any waiting periods?
Yes. Pets Best policies have the following waiting periods: accidents (3 days), illnesses (14 days), and routine care (coverage starts the day after enrollment).

5. Can I visit any vet?
Yes, you can visit any licensed veterinarian in the U.S. or Canada. There are no network restrictions.

6. Does Pets Best cover pre-existing conditions?
No, pre-existing conditions are not covered. Pets Best only considers conditions that occurred or showed symptoms before your policy start date.

7. What routine care benefits are included with add-ons?
Routine care add-ons cover annual exams and vaccinations, spay/neuter procedures and dental cleanings, and preventive treatments like flea, tick, and heartworm medications.

8. How are reimbursements calculated?
Reimbursements are based on your actual vet bill. You can choose a reimbursement rate of 70%, 80%, or 90%, depending on your plan.

9. Can I cancel my policy if I change my mind?
Yes, you can cancel your policy at any time by contacting Pets Best’s customer service.

10. How long does it take to get reimbursed?
Reimbursements are typically processed quickly. Most claims are completed within a few days, and payments can be deposited directly into your bank account.

Frequently Asked Questions (FAQ)

Pet insurance typically covers illness, accidents, behavioral issues, genetic conditions, chronic disorders, and alternative therapies recommended by veterinarians. Companies may offer additional offers or bonus packages for preventive care including annual appointments, vaccines, routine testing, de-worming, and more.
There are many different types of pet insurance covering a wide range of health needs. The most common types are comprehensive, accident-only, and preventive. Plans are often divided by animal type and age including dogs/cats, puppies/kittens, and sometimes even small or exotic animals can receive coverage.
An average pet insurance policy starts at roughly $15-25 per month for accident-only and preventative plans. A monthly premium for comprehensive pet insurance plans offering the most extensive coverage will cost an average of $40–$60 per month. Prices will vary based on provider features, plan selection, premium and deductible fees, number of pets, health needs, and more.
On average, pet insurance plans can save you anywhere from 25-85% annually. The amount of money saved will vary but policies should cover a significant portion of veterinary bills depending on the plan and specific treatments needed.