Is Pets Best worth it?
Pets Best may suit owners who want a $50 annual deductible, the lowest annual floor among the plans we track, and a 3-day accident wait that a qualifying vet exam submitted within 30 days of enrollment can waive. It may not fit 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. Compare current quotes for price.
Where it earns its price
Our editorial scores put Pets Best at 8.1 out of 10 for dogs and 8.4 for cats, fourth on the cat book. Deductibles run from $50 to $1,000 annually, reimbursement from 70 to 90 percent, and annual limits from $5,000 to unlimited. Request a current quote with the settings you would buy.
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 price drives the decision, compare current quotes at matched settings. Lemonade 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. Multi-pet households should quote each pet before assuming any discount.
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The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.