Pets Best Review

Founded by Dr. John Stephens in 2005, Pets Best is one of the very first pet insurance companies in North America. The company is dedicated to taking financial worries associated with pet treatment away so subscribers avoid economic euthanasia. Their plans are extremely customizable, and so are their payment plans. Pets Best prides itself on short waiting periods as well as quick reimbursements.

What they cover

Pets Best’s illness and accident plans cover the following:

  • Illnesses, accidents
  • Hereditary and congenital conditions
  • Cancer treatment
  • Prescription medications, surgery, and hospitalization
  • Ongoing chronic conditions
  • Dental care
  • Diagnostic tests
  • Euthanasia and prosthetic devices
  • Acupuncture
  • Exams fees
  • Chiropractic and physical therapy

What they don’t cover

Pets Best, like most pet insurance providers, do not cover pre-existing conditions, parasites, elective and preventive procedures, alternative care and treatments, and special foods. There is no upper age limit for your pets.

Types of Pets Best Plans

  1. Pets Best Essential Plan The company’s very basic plan, Pets Best’s Essential Plan is as low as $5,000.

  2. Pets Best Plus Plan This plan offers $10,000 in annual coverage. This includes examination fees for illnesses and accidents.

  3. Pets Best Elite Plan This plan offers unlimited annual coverage.

  4. Pets Best “Accident Only” Plan This helps pet owners on a limited budget that want to cover their pets against accidents like snake bites, broken legs, accidental swallowing and more. However, it is important to understand that “Accident Only” plans do not cover medical conditions like cancer as these are covered under the company’s Illness Plans.

Benefit limits

Pets Best’s Elite Plan, as already indicated, comes with unlimited benefits. The other two plans have annual benefit limits of $5,000 and $10,000. It is important to understand that the higher the benefit level, the higher the premium.

Deductible types

Like most top pet insurance providers, Pets Best operates on an annual deductible, offering flexibility among its deductible options. The deductibles are as follows: $50, $100, $250, $500, and $1000. Opting for a higher deductible translates to a lower monthly premium and higher out-of-pocket costs when you take your pet for vet care. Opting for a lower deductible, on the other hand, means increasing your monthly premium, with lower out-of-pocket costs. Thanks to Pets Best’s array of deductible options, it’s easy to get a personalized plan that fits your dog or cat insurance budget.

Pets Best wellness plans are great add-ons because you do not have to meet a deductible to get reimbursed from your initial visit. These wellness plans are perfect for vaccinations, routine check-ups, dental cleaning, and spraying and neutering. However, you can opt to pay for these regular costs on your own without involving the pet insurance company.

Cost of Pets Best Pet Insurance

Cat plans start at $17 while dog plans start at $30 per month. You can, however, opt for the Accident Only plan at $6 per month for cats and $9 per month for dogs. You can earn up to 5% discount on an additional pet if you choose to enroll more than one pet. The company also offers a military discount of 5%.

What the claim process is like

Pets Best pays claims within 3 to 5 days. You can speed up your claim by submitting it electronically through the company’s online portal. You can also set up a direct deposit so your claims are paid directly into your bank account.


Pets Best is the go-to pet insurance provider for owners seeking to protect their pets from illnesses and unforeseen accidents that are out of their control. The plans can be customized to suit your cat or dog insurance needs, and claims are guaranteed to be paid out promptly. Overall, Pets Best takes their pet insurance role seriously and will do everything it takes to ensure that your pet is fully covered.