Pets Best Pet Insurance Review 2025

Pets Best earned 4.6 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. Wellness add-ons are also available for pets of all ages. There’s no upper age limit for enrollment, and the company offers the option to pay your vet directly.

Pets Best is a pet insurance provider for Progressive and Farmers.

Pets Best offers several plans to choose from.

Accident and illness plan

Pets Best offers three tiers of accident and illness coverage: Essential, Plus and Elite. This allows you to customize your coverage based on your budget and pet’s needs. For example, while all three tiers cover prescription medications and treatment for accidents and illnesses, only some plans will pay for exam fees, acupuncture and chiropractic care.

Depending on the tier you choose, the accident and illness plan may cover:

• Exams, treatment, hospitalization and surgery for injuries and illnesses, including cancer, diabetes and arthritis.

• Prescription medication used to treat a covered condition.

• Hereditary and congenital conditions.

• MRIs, CT scans, X-rays and other diagnostic tests.

• Prosthetic devices and wheelchairs.

• Behavioral consultations with a vet and associated prescription medication.

• Euthanasia.

• Physical rehabilitation, such as physical therapy and cold therapy.

• Acupuncture and chiropractic care.

• Dental care for periodontal disease if your pet has met certain conditions.

Accident-only plan

If you’re looking for a more affordable policy, you may want to consider the Pets Best accident-only plan. However, it covers treatments and diagnostic tests related to accidents only — so it won’t help if your dog gets cancer or your cat’s kidneys start to fail.

Wellness plans

Pets Best offers two wellness plans, EssentialWellness and BestWellness, for an additional fee. These plans pay a certain amount per year toward services outlined in the policy, with no deductible.

Depending on where you live and which plan you choose, wellness coverage may include:

• Dental cleaning.

• Spay or neuter surgery.

• Flea, heartworm and tick prevention.

• Deworming.

• Microchip implantation.

• Blood, fecal and parasite exams.

• Vaccinations and titers.

• An annual wellness exam.

• Preventive screening tests.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: Complete guide to pet insurance coverage

Pets Best accident and illness plans don’t cover:

• Pre-existing conditions, except for curable conditions that don’t require continued treatment.

• Bilateral conditions, if your pet had symptoms on either side before your policy started. For example, if your dog had dysplasia in its left hip before you bought your policy, Pets Best wouldn’t cover treatment for dysplasia on the right side.

• Preventive care, including spaying or neutering, unless you’ve added a wellness package.

• Cosmetic or elective procedures.

• Parasites.

• Intentional injuries.

• Breeding or boarding costs.

• Herbal and holistic treatments.

• Injuries related to organized fighting or racing.

• Training and treatment for behavioral conditions, other than vet consultations and prescribed medication.

• Cremation or burial.

• Experimental treatments.

• Specific dental procedures such as scaling and root planing.

• Prescription food and supplements.

The accident-only plan won’t cover the above or treatment for any illness. Wellness plans cover only services specified in your policy.

» MORE: Is pet insurance worth it?

Deductibles: A pet insurance deductible is the amount of your vet bills you need to pay yourself before the plan starts reimbursing you. For the company’s accident and illness plan, you can choose from various annual deductible options ranging from $50 to $1,000. The accident-only plan comes with a $250 deductible. There’s no deductible for wellness plans.

Reimbursement amounts: You can choose to be reimbursed for 70%, 80% or 90% of your vet bills with a Pets Best accident and illness policy. Accident-only policies reimburse you for 90% of your vet bills. Wellness plans will reimburse you up to the annual maximum limit listed for a given procedure.

Coverage limits: For accident and illness plans, you can choose an annual coverage limit of $5,000 or $10,000 per year, or opt for no limit at all. Accident-only plans have an annual coverage limit of $10,000.

Age restrictions: Pets Best insures pets at least 7 weeks old. There is no upper age limit.

Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage begins. Pets Best’s waiting period in most states is three days for accidents, 14 days for illness and six months for cruciate ligament issues. Wellness plans have no waiting period in any state.

» MORE: Does pet insurance cover surgery?

The cost of Pets Best pet insurance depends on where you live, the coverage limits you choose, and your pet’s breed and age.

Sample rates for dogs

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

Sample rates for cats

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

» MORE: The best cheap pet insurance

You can get a 5% discount for insuring multiple pets with Pets Best. The company also provides discounts to military members and their families in most states.

Pets Best insurance is available in Washington, D.C., and all 50 states.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Website: The Pets Best insurance website outlines coverage details, including sample policies and comparisons with other pet insurance plans. You can also submit a claim and update your payment information online.

App: You can use the Pets Best app to manage your account, submit and track claims, connect with a 24/7 vet helpline, and even add a new pet to your policy.

You can file claims online or through the Pets Best app. The company can reimburse claims via direct deposit, CareCredit or paper check.

You may be able to have Pets Best pay your vet directly, which means you won’t have to pay as much upfront.

When calculating a claim payout, Pets Best will apply your reimbursement percentage to your vet bill before subtracting your deductible. This is a less generous method than some insurers use.

Here’s an example of how that might work on a $1,000 vet bill if you had a $250 deductible and 80% reimbursement rate:

Phone: Contact Pets Best at 877-738-7237.

Chat: There’s a live chat on the website. All customers have access to a 24/7 vet helpline.

» MORE: How much is pet insurance?

Here’s how Pets Best compares to three other popular pet insurance companies.

Pets Best vs. Trupanion

The key differences between Pets Best and Trupanion pet insurance are:

Range of plans. Trupanion offers a single plan with no annual limit and a generous reimbursement rate in most states. However, it doesn’t offer options some pet owners seek, such as a wellness plan. In contrast, Pet Best has three accident and illness plans, two wellness options and an accident-only plan.

Deductibles. Like most insurers, Pets Best offers annual deductibles, while Trupanion has a per-condition deductible in most states. An annual deductible may save you money if your pet visits the vet for several different conditions in a given year. But if your pet has a chronic condition that requires years of treatment, you may be better off with Trupanion’s deductible.

» READ MORE: Trupanion pet insurance review

Pets Best vs. Healthy Paws

The key differences between Pets Best and Healthy Paws pet insurance are:

Range of plans. Healthy Paws has only one accident and illness plan available, while Pets Best provides three different tiers of coverage, as well as an accident-only plan.

Wellness plans. Healthy Paws doesn’t offer a wellness plan, while Pets Best has two plans that can be added to your policy for an additional fee.

» READ MORE: Healthy Paws pet insurance review

Pets Best vs. Lemonade

The key differences between Pets Best and Lemonade pet insurance are:

Range of plans. Lemonade doesn't offer an accident-only plan. However, Lemonade and Pets Best both sell accident and illness policies with different tiers of coverage and wellness plans.

Plan options. Pets Best offers a wider range of deductible options and the ability to choose a plan with no annual coverage limit. Meanwhile, Lemonade has annual limits of $5,000 to $100,000 per year.

» READ MORE: Lemonade pet insurance review

• See all of NerdWallet’s pet insurance reviews

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