Pets Best Pet Insurance Review 2025
Pets Best offers several pet insurance options, making it a flexible choice for pet owners. This review will explore the company’s plans, coverage, costs, and how it compares to other providers.
Overview
- NerdWallet rating: 5.0 stars
- Annual max coverage: Unlimited
- Reimbursement rates: 70%, 80%, 90%
- Deductibles: $50 – $1,000
- Policy highlight: May offer direct payment to your vet
Pros and Cons
Pros:
- Offers a wide variety of customizable plans
- Includes an unlimited annual coverage option
- No upper age limit for enrollment
Cons:
- Exam fees and certain therapies are only covered in more expensive plans.
- Does not cover food or supplements.
Who is Pets Best For?
Choose Pets Best pet insurance if you want a wide selection of plans and options, including unlimited annual coverage.
About Pets Best
Pets Best offers pet insurance for cats and dogs. The company provides both comprehensive accident and illness plans, and a simplified accident-only policy. Wellness add-ons are available as well. There’s no upper age limit for enrollment, and the option to pay your vet directly is available.
Pets Best Plans and Coverage
Pets Best offers several types of coverage to choose from.
Accident and Illness Plan
Pets Best offers three tiers of accident and illness coverage: Essential, Plus, and Elite. These plans cover:
- Exams, treatment, hospitalization and surgery
- Prescription medications
- Hereditary and congenital conditions
- MRIs, CT scans, X-rays, and other diagnostic tests
- Prosthetic devices and wheelchairs
- Behavioral consultations and associated prescription medication
- Euthanasia
- Physical rehabilitation
- Acupuncture and chiropractic care
- Dental care for periodontal disease
Accident-Only Plan
This is a more affordable option that only covers treatments and diagnostic tests related to accidents.
Routine Care
Pets Best offers two wellness plans for an additional fee: EssentialWellness and BestWellness. These plans help cover:
- 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
🤓Nerdy Tip Do the math before adding wellness coverage. If you don’t use all the services in the plan, you might end up paying more in premiums than you get in return.
What’s Not Covered
Pets Best’s accident and illness insurance does not cover:
- Pre-existing conditions (except curable conditions that don’t require continued treatment).
- Bilateral conditions if your pet had symptoms on either side before your policy started.
- Preventive care (unless a wellness package is added).
- Cosmetic or elective procedures
- Parasites
- Intentional injuries
- Breeding or boarding costs
- Herbal and holistic treatments
- Injuries related to organized fighting or racing
- Training for behavioral conditions (other than vet consultations and prescribed meds).
- Cremation or burial
- Experimental treatments
- Specific dental procedures
- Prescription food and supplements
The accident-only plan won’t cover the above or treatment for any illness. Wellness plans only cover services specified in the chosen policy.
Pets Best Plan Options
- Deductibles: Annual deductibles range from $50 to $1,000 for accident and illness plans. The accident-only plan uses a $250 deductible, and there is no deductible for wellness plans.
- Reimbursement Amounts: Offers 70%, 80%, or 90% reimbursement rates for vet bills with accident and illness policies. Accident-only policies reimburse 90% . Wellness plans reimburse up to the annual maximum.
Coverage Limits
- Accident and Illness: Annual limits of $5,000, $10,000, or unlimited.
- Accident-Only: $10,000 annual limit.
Restrictions and Waiting Periods
- Age restrictions: minimum of 7 weeks old. No upper age limit.
- Waiting periods: 3 days for accidents, 14 days for illness, and 6 months for cruciate ligament issues. There are no waiting periods for wellness plans.
Sample Rates
The cost of Pets Best pet insurance depends on various factors, including location, chosen coverage options, breed, and age. Sample monthly rates for dogs in Katy, Texas:
- French bulldog: Age 2 – $88, Age 8 – $228
- German shepherd: Age 2 – $48, Age 8 – $125
- Golden retriever: Age 2 – $54, Age 8 – $142
- Labrador retriever: Age 2 – $54, Age 8 – $139
- Medium mixed-breed dog: Age 2 – $32, Age 8 – $71
- Poodle: Age 2 – $46, Age 8 – $119
Sample monthly rates for cats in Katy, Texas:
- Devon rex: Age 2 – $30, Age 8 – $77
- Domestic shorthair: Age 2 – $20, Age 8 – $41
- Exotic longhair: Age 2 – $25, Age 8 – $56
- Maine coon: Age 2 – $28, Age 8 – $63
- Persian: Age 2 – $27, Age 8 – $40
- Ragdoll: Age 2 – $25, Age 8 – $64
Pets Best Discounts
Pets Best offers a 5% discount for insuring multiple pets and provides discounts to military members and their families in many states. The company is available in all 50 states and Washington D.C.
Digital Experience
The Pets Best website provides comprehensive coverage details. They also have an app for managing your account and filing claims.
How to File a Claim
You can file claims online, through the app, or by using their direct pay options. Claims may be reimbursed via direct deposit, CareCredit, or paper check. You may be able to have Pets Best pay your vet directly.
Contact Information
You can contact Pets Best customer support by phone at 877-738-7237. There’s also a live chat and a 24/7 vet helpline is included with the policy.
