Pets Best Review

Pets Best's traditional and specialty pet insurance plans provide some of the best protection around, including coverage for exam fees, pregnancy, and other non-standard expenses, at no additional cost to the consumer.

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The Good

Specialty plans available

If you aren’t interested in purchasing a traditional pet insurance policy but would still like some protection for your pet, one of Pets Best’s specialty plans may be a great fit. The Accident-Only plan doesn’t offer any coverage against illnesses but pays for surgeries, hospitalization, and medication costs related to restoring your pet to full health following an accident. You can select a Wellness plan add-on to help pay for routine checkups, dental cleanings and other preventative care. If you own a cat, you may also be interested in Pets Best’s Feline Illness plan, which covers serious illnesses common in cats such as kidney failure.

Flexibility in deductible and copay options

Pets Best insurance gives you the option to decide how much you want to pay for your deductible and copay. You should take note that choosing a lower deductible may result in higher monthly premiums as a tradeoff. Still, it’s nice to see Pets Best offering this option to their customers who may be unwilling or unable to pay expensive vet bills should the need arise.

Pregnancy-related costs covered

Pets Best pays for many costs associated with pregnancy for most types of dogs and cats. Pregnancy coverage is very difficult to find in this industry, so Pets Best is definitely worth considering if you plan on breeding your pets.

Exam fees included

Although all pet insurance companies pay for treatment related to accidents and illnesses, Pets Best is one of the few that offers some plans covering exam fees. Though it may not be as crucial to some people as hospitalization coverage, for example, exam fees could become fairly expensive, particularly if your pet has to go back for follow-up visits.

Extended veterinarian access

Most pet insurance providers let you visit any vet in the U.S. This is especially useful if you travel interstate frequently and like to take your pet with you. Veterinarian eligibility is something that is often overlooked when purchasing pet insurance, but it’s something you’ll want to think about.

The Bad

Annual and lifetime coverage limits

For most plans, Pets Best places limits on how much they pay you each year and over the lifetime of your pet and, once these limits are reached, you’re on your own. That said, they do offer unlimited coverage with their top-tier plans. Although almost every pet insurance provider imposes some kind of restriction on benefits — whether it be per incident, annual, or lifetime — many only have a single restriction and a select few have none at all. Though it’s unlikely you’ll ever reach your coverage limits, choosing a company with fewer restrictions, like Trupanion, could be a smart move if this concerns you.

Scant discounts

Though you can save 5% by insuring multiple pets on the same plan, and get a small discount when paying annually, Pets Best insurance doesn’t offer much in the way of discounts, like a saving for microchipping your pet. Discounts aren’t found with every company in the industry, but there are some that do give their customers more options to save. If you’re interested in these types of discounts, you may want to look into companies like Petplan USA.

The Details


  • Co-Payment: 0-30%
  • Deductible: up to $1,000
  • Maximum Age of Pet to Be Insured: None
  • Maximum Annual Benefit: $5,000 - $20,000

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