Pets Best pet insurance review
Pets Best scores 8.1/10 in our rankings. For dogs, it's best for fast start Shortest accident waiting period going — but a six-month wait on cruciate injuries unless you pay for the waiver. For cats, it's best for outdoor cats Well priced with a fast accident start — illness waiting period is a full 14 days. Quotes for a healthy one-year-old animal typically start around $33/mo for dogs or $14/mo for cats, but your actual price depends on breed, age, ZIP code and the deductible/reimbursement combination you pick — treat that number as a starting point, not a quote.
Quick facts
- Annual limit
- $5k–unlimited
- Deductible
- Annual, $50/$100/$200/$250/$500/$1,000
- Reimbursement options
- 70%, 80% or 90%
- Accident / illness wait
- 3 days (waivable entirely with a qualifying vet exam submitted within 30 days of enrollment) / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: $5,000, $10,000 or unlimited
Deductible: Annual, $50/$100/$200/$250/$500/$1,000
Reimbursement: 70%, 80% or 90%
Wellness / routine care: Yes — two tiers of optional wellness coverage, plus separate add-ons for exam fees and physical therapy. The Plus plan tier bundles exam-fee coverage in rather than selling it as an add-on.
Waiting periods
- Accidents: 3 days (waivable entirely with a qualifying vet exam submitted within 30 days of enrollment)
- Illness: 14 days
- Orthopedic / cruciate: 14 days in most states — well short of the 6-to-12-month holds common elsewhere for cruciate ligament and hip dysplasia claims
Pre-existing conditions
Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Who Pets Best is not for
Owners who want exam fees covered by default — on the base Essential plan that costs extra, unlike some competitors that fold it in.
Questions about Pets Best
Some links here are partner links. If you buy through one, the insurer may pay us a fee — it never changes your premium and it never changes a ranking. See our methodology for how scores are set.