PETS BEST
LOGO

Provider profile
Reviewed September 2026

Pets Best pet insurance

Pets Best Pet Insurance

Customizable accident-and-illness coverage with multiple reimbursement, deductible and annual-limit choices, plus Direct Vet Pay, digital claims and a 24/7 Pet Helpline included with plans.

Visit Provider → View Plan Snapshot

Plan Snapshot

Core policy structure

Data reviewed September 2026

CoverageAccident & illnessAccidents, illnesses, cancer, hereditary conditions, emergency care, surgery and eligible prescription medications.

Reimbursement70% / 80% / 90%Selected when configuring eligible plans.

Deductible$100–$1,000Annual deductible options on current BestBenefit materials.

Annual limit$5K–UnlimitedCurrent BestBenefit annual coverage-limit options.

Claims modelReimbursement + Direct PaySubmit digital claims or use Direct Vet Pay where available and approved.

Waiting periodsPolicy-specificCurrent materials describe waiting periods for injury, illness and cruciate-ligament events.

BestBenefit coverage

What the accident-and-illness plans cover

Pets Best offers tiered BestBenefit accident-and-illness plans. Core coverage is broad, while exam-fee and rehabilitative coverage vary by plan level.

Core coverageAccidents & illnessesEligible treatment for accidents, illnesses and emergency veterinary care.

Core coverageCancerEligible cancer diagnostics and treatment are included under accident-and-illness coverage.

Core coverageHereditary conditionsEligible hereditary and congenital conditions are included when not excluded as pre-existing.

Core coveragePrescription medicationsEligible take-home prescription medication is included in current BestBenefit plan materials.

Plan levels & wellness

Coverage can be expanded by plan

Pets Best currently presents Essential, Plus and Elite BestBenefit options, with additional benefits available at higher plan levels. Optional wellness coverage can be added separately.

Essential

Core accident-and-illness coverage, including eligible accidents, illnesses, cancer, hereditary conditions, emergency care, surgery and prescription medications.

Plus

Adds eligible accident-and-illness exam fees to the core BestBenefit coverage.

Elite

Adds rehabilitative, acupuncture and chiropractic coverage in addition to exam-fee coverage and the core benefits.

Routine wellness

Optional wellness plans can help reimburse selected routine and preventive-care expenses. Wellness benefits are separate from the accident-and-illness plan.

Accident-only option

Pets Best also offers accident-only coverage for consumers seeking protection focused on unexpected injuries rather than illness coverage.

Claims & vet payment

Digital claims with a direct-pay option

Claims can be submitted online, through the Pets Best app or through the customer center. Direct Vet Pay can send eligible reimbursement directly to the veterinary practice when requirements are met.

Direct Vet Pay

With Direct Vet Pay, Pets Best can send the eligible reimbursement amount directly to the veterinarian. The policyholder remains responsible for the deductible, coinsurance and any non-covered charges.

Covered veterinary bill − deductible − your coinsurance − non-covered items = eligible insurer payment

Policy details

What to know before enrolling

No upper age limitPets Best currently states that there is no upper age limit for coverage.

Vet choicePets Best states that policyholders can visit any licensed veterinarian in the U.S. or Canada, subject to policy terms.

Injury waiting periodCurrent BestBenefit materials describe a 3-day waiting period for injuries, subject to state and policy variation.

Illness waiting periodCurrent BestBenefit materials describe a 14-day waiting period for illnesses, subject to state and policy variation.

Cruciate waiting periodCurrent BestBenefit materials describe a 6-month waiting period for cruciate-ligament events, subject to policy terms and possible state-specific differences.

Pre-existing conditionsPre-existing conditions are excluded under Pets Best policy materials. Review the applicable policy form for the complete definition and exclusions.

Ready to see your Pets Best price?

Your quote depends on your pet, location and selected coverage.

Visit Provider →

Sources used for this profile

Pets Best: Pet Insurance for Dogs & CatsCurrent provider overview, coverage, Direct Vet Pay, 24/7 Pet Helpline and age information.

View source →

Pets Best: Pet Insurance 101 / BestBenefit PlansCurrent BestBenefit plan levels, reimbursement, deductible, annual-limit options and waiting-period summary.

View source →

Pets Best: Vet Direct PayDirect payment process and policyholder cost responsibility.

View source →