Pets Best pet insurance

2 plans. Checked against Pets Best's own policy documents (reviewed 2026-10-16). We're independent and earn no commission.

A good fit if…

you want the option of no annual payout cap
you want exam fees covered
you want dental disease covered, not just accidents
your pet has a past condition that's now cured
you're insuring an older pet

Pets Best

BestBenefit Accident & Illness

Highly adjustable accident & illness coverage — reimbursement from 50% to 90%, deductibles from $50 to $2,000 and an unlimited option.

$ BudgetAccident & illness

Pays back: Up to 90%
Yearly limit: Unlimited
Deductible: Yearly

Watch out: Rehab, acupuncture and chiropractic care must be added at enrollment

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Full coverage details

Reimburses: 50/60/70/80/90%
Annual limit: Unlimited
Deductible: Annual
Exam fees: Covered
Accident wait: 3 days
Illness wait: 14 days

Deductible: Annual deductible from $50 to $2,000, in $50 steps.
Annual limit: Choose $2,500, $5,000, $10,000 or no annual limit.
Exam fees: Exam fees are a supplemental benefit included in most plans — you can remove it to lower the premium.
Dental: Periodontal disease covered if there were no prior signs, plus treatment for traumatic tooth fractures. Cleanings are excluded.
Alternative therapy: Rehabilitation, acupuncture and chiropractic care are a supplemental benefit chosen at enrollment.
Wellness: Optional EssentialWellness or BestWellness routine-care add-ons (no deductible).
Waiting periods: Accidents 3 days, illness 14 days, orthopedic/cruciate 6 mo. 6-month waiting period for cruciate ligament events. Waits can be reduced with a vet's health certificate.
Cured pre-existing conditions: Pets Best says healed or cured conditions aren't treated as pre-existing, but no symptom-free period is published — ask before buying.
Eligibility: No maximum enrollment age. Minimum age 7 weeks. Sold in every state.
Multi-pet discount: 5% (not offered in every state)
Underwriter: Independence American Insurance Company (American Pet Insurance Company in NY and WA)

Good to know

Widest range of reimbursement and deductible choices
No upper enrollment age
Optional Direct Vet Pay sends your reimbursement to the vet
Exam fees included on most plans

Watch out for

Rehab, acupuncture and chiropractic care must be added at enrollment
6-month wait for cruciate ligament conditions
Prescription coverage is limited to Pets Best's formulary

Sources

Pets Best

Accident Only

Low-cost accident-only coverage with a $10,000 annual limit and 90% back.

$ BudgetAccident only

Pays back: Up to 90%
Yearly limit: $10,000
Deductible: Yearly

Watch out: Illness, cancer and chronic conditions are NOT covered

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Full coverage details

Reimburses: 90%
Annual limit: $10,000
Deductible: Annual
Exam fees: Covered
Accident wait: 3 days
Illness wait: none

Sample monthly cost

from $6 (cats) / $9 (dogs) — Starting pricePets Best marketing floor; $7 / $10 in Washington.

Deductible: Fixed $250 annual deductible.
Annual limit: $10,000 per policy year.
Dental: Treatment for traumatic tooth fractures and other oral injuries.
Alternative therapy: Not part of the accident-only plan.
Wellness: Wellness add-ons can be paired with the accident plan.
Waiting periods: Accidents 3 days, illness none.
Cured pre-existing conditions: Covers new accidental injuries only.
Eligibility: No maximum enrollment age. Minimum age 7 weeks. Sold in every state.
Multi-pet discount: None offered.
Underwriter: Independence American Insurance Company (American Pet Insurance Company in NY and WA)

Good to know

Very low starting price
90% reimbursement on accidents
No upper enrollment age

Watch out for

Illness, cancer and chronic conditions are NOT covered

Sources

Common questions

Does Pets Best cover vet exam fees?

Yes. Exam fees are a supplemental benefit included in most plans — you can remove it to lower the premium.

How much does Pets Best reimburse?

50%, 60%, 70%, 80%, 90% of eligible costs after the deductible. Annual deductible from $50 to $2,000, in $50 steps.

Is there an annual limit with Pets Best?

Choose $2,500, $5,000, $10,000 or no annual limit.

Does Pets Best cover dental?

Periodontal disease covered if there were no prior signs, plus treatment for traumatic tooth fractures. Cleanings are excluded.

What are Pets Best's waiting periods?

Accidents: 3 days; illness: 14 days; orthopedic/cruciate: 6 months. 6-month waiting period for cruciate ligament events. Waits can be reduced with a vet's health certificate.

Does Pets Best cover pre-existing conditions?

Pets Best says healed or cured conditions aren't treated as pre-existing, but no symptom-free period is published — ask before buying.

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