Is Pets Best worth it?
Yes for budget buyers, especially cat owners. Pets Best carries the cheapest illustrative starting premium for cats in our catalog, about $14 per month against roughly $33 for a dog, its $50 annual deductible is the lowest annual floor among the plans we track, and a qualifying vet exam submitted within 30 days of enrollment can waive the 3-day accident wait entirely. It is not worth it if you need cruciate ligament coverage quickly, since those events sit behind a 6-month wait unless a participating veterinarian certifies the pet, or if you want exam fees folded into the base plan, where they cost extra.
Where it earns its price
Pets Best is a value play: our editorial scores put it at 8.1 out of 10 for dogs and 8.4 for cats, fourth on the cat book. The money side is flexible for the tier: deductibles from $50 to $1,000 annually, reimbursement at 70, 80 or 90 percent, and annual limits of $5,000, $10,000 or unlimited. Both starting figures above are illustrative estimates for healthy young animals, not quotes.
The waiting-period structure is friendlier than most budget plans: accidents clear after 3 days and can be waived with a qualifying exam, while illness waits the standard 14 days.
The two fine-print items
First, cruciate ligament events carry a 6-month wait. It can be reduced or waived when a participating veterinarian certifies the pet, but that is paperwork many owners never complete, so treat 6 months as the default for the most common expensive dog claim. Second, exam-fee coverage is an add-on on the base Essential plan rather than included, and routine care lives in optional wellness tiers.
Who should look elsewhere
If the absolute cheapest dog entry drives the decision, Lemonade starts around $28 per month and scores higher for dogs (9.0 versus 8.1). If you want unlimited payouts without configuring anything, Healthy Paws remains our top dog pick at 9.3. For multi-pet households stacking policies, run both quotes at matched settings before assuming the headline prices will hold.
Related questions
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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.