Pets Best Pet Insurance Review 2025

Pets Best Pet Insurance Review 2025

Pets Best offers a variety of pet insurance options, allowing customers to choose plans that best suit their budgets and their pets’ needs.

Overview

• NerdWallet rating: 5.0
• Annual Max Coverage: Unlimited
• Reimbursement Rates: 70%, 80%, 90%
• Deductibles: $50 – $1,000
• Policy Highlight: May be able to reimburse your vet directly.

Pros:

• Numerous plan customization options.
• Offers an unlimited annual coverage option.
• No upper age limit for enrollment.

Cons:

• Exam fees, and certain therapies are only covered by more expensive plans.
• Doesn’t cover food or supplements.

Choose Pets Best pet insurance if… You desire a diverse range of plan choices, including an unlimited annual coverage option.

About Pets Best

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

• NerdWallet rating: 5.0

Pets Best earned 5 out of 5 stars for overall performance. The company provides several coverage tiers at different price points for both cats and dogs. Policyholders can choose a comprehensive accident and illness plan or a simplified accident-only policy. They also offer wellness add-ons for pets of any age. There is no upper age limitation, and the company features the option to pay your vet directly.

Pets Best Pet Insurance Plans and Coverage

Pets Best features a few types of coverage to choose from.

Accident and Illness Plan

Pets Best features three tiers of accident and illness coverage: Essential, Plus, and Elite. These allow customers to customize their coverage based on budget and their pet’s needs. All three levels cover prescription medications and treatments for accidents and illnesses; however, only some plans cover exam fees, acupuncture, and chiropractic care.

Depending on the chosen tier, 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

For those seeking a more financially accessible policy, the Pets Best accident-only plan may be a good option; however, this only covers treatments and diagnostic tests related to accidents, and will not assist if your pet gets cancer, or encounters kidney failure.

Routine Care

Pets Best features two wellness plans, EssentialWellness and BestWellness, for an extra fee. These plans feature a specific payout per year toward outlined services, with no deductible.

Depending on location and chosen plan, 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.

🤓Nerdy Tip: Calculate the costs before adding wellness coverage. If you do not utilize all services in the plan, you may end up paying more in premiums than you get in return.

Note: Coverage options and availability can change depending on location, age, and breed of your pet.

What’s Not Covered

Pets Best accident and illness insurance policies do not cover:

• Pre-existing conditions, except for pre-existing, curable conditions that do not need ongoing treatment.
• Bilateral conditions, if your pet had symptoms on either side before you purchased the policy. For example, if your dog suffered from left hip dysplasia, Pets Best wouldn’t cover treatment for the right side.
• Preventive care, including spaying or neutering unless you have added a wellness package.
• Cosmetic or elective procedures.
• Parasites.
• Intentional injuries.
• Breeding costs or boarding.
• Herbal and holistic treatments.
• Injuries related to organized fighting or racing.
• Training and treatment for behavioral conditions aside from vet consults and prescribed meds.
• Cremation or burial.
• Experimental treatments.
• Certain dental procedures, such as scaling and root planing.
• Prescription food and supplements.

The accident-only plan will not cover the above, or treatment for any kind of illness. Wellness plans only cover those specified in the policy.

» MORE: Is pet insurance worth it?

Pets Best Plan Options

• Deductibles: The amount a policyholder must pay out-of-pocket before coverage begins. The accident and illness plan features various annual deductible options, ranging from $50 to $1,000. The accident-only plan comes with a $250 deductible. There is no deductible for wellness plans.
• Reimbursement Amounts: Policyholders can choose 70%, 80%, or 90% of their vet bills in reimbursement with a Pets Best accident and illness policy. Accident-only policies feature 90% reimbursement. Wellness plans repay up to the annual maximum.
• When calculating claim payouts, Pets Best will apply the reimbursement percentage to the vet bill prior to subtracting the chosen deductible. For example, a $1,000 bill with an 80% reimbursement rate and a $250 deductible yields the following: $1,000 * 0.8 = $800. $800 – $250 = $550 reimbursement.
• Coverage Limits: Accident and illness plans offer an annual coverage limit of $5,000 or $10,000 per year, or an unlimited option. Accident-only plans are capped at $10,000 in annual coverage.

Restrictions and Waiting Periods

• Age Restrictions: Pets Best insures pets at least 7 weeks old. There is no upper age limit.
• Waiting Periods: There is a waiting period between the purchase of the policy, and when 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 do not have a waiting period.

🤓Nerdy Tip: If your pet becomes ill or injured during the waiting period treatment will not be covered, and the condition will be considered pre-existing.

Pets Best vs. Competitors

Pets Best vs. Trupanion

Trupanion features a single plan with no annual limit and a generous reimbursement rate of 90% in most states. Trupanion also promises that premiums will not automatically increase due to your pet’s age. However, Trupanion does not offer wellness plans, and Pets Best offers three accident and illness plans, two wellness options, and an accident-only plan. Pets Best has annual deductibles, and Trupanion features per-condition deductibles in most states. Both can pay your vet directly, and Pets Best includes a vet helpline.

Coverage options:

• Pets Best:
  • Deductible: $50 to $1,000
  • Reimbursement: 70%, 80%, or 90%
  • Annual limit: $5,000 per year to unlimited
• Trupanion:
  • Deductible: $0 to $1,000 per condition (except in select states, where no deductible applies)
  • Reimbursement: 90% in most states
  • Annual limit: Unlimited

Pets Best vs. Healthy Paws

Healthy Paws and Pets Best both cover accident and illness, and pay for hospitalization, surgery, and prescription medication. Healthy Paws offers one plan; Pets Best provides three tiers for coverage. Unlike Pets Best, Healthy Paws does not cover the vet’s exam fee. Overall, Pets Best gives customers more coverage options than Healthy Paws, which doesn’t provide wellness plans or accident-only policies.

Coverage options:

• Pets Best:
  • Deductible: $50 to $1,000
  • Reimbursement: 70%, 80% or 90%
  • Annual limit: $5,000 per year to unlimited
• Healthy Paws:
  • Deductible: $250 to $1,000 per year (Not all options are available to all pets.)
  • Reimbursement: 50% to 90% (Not all options are available to all pets.)
  • Annual limit: Unlimited

Pets Best vs. Lemonade

Both Lemonade and Pets Best sell accident and illness policies with different tiers of coverage, and sell wellness plans. However, Lemonade doesn’t offer an accident-only plan. Pets Best offers a wider range of deductible options, and the ability to choose a plan with no annual coverage limit, whereas Lemonade has annual limits of $5,000 to $100,000 per year. Lemonade states it may pay claims faster.

Coverage options:

• Pets Best:
  • Deductible: $50 to $1,000
  • Reimbursement: 70%, 80% or 90%
  • Annual limit: $5,000 per year to unlimited
• Lemonade:
  • Deductible: $100 to $750 per year
  • Reimbursement: 60%, 70%, 80% or 90%
  • Annual limit: $5,000 to $100,000 per year