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Overall Rating:
Total Reviews:
22,827
Accident & Illness Coverage:
Included
Wellness Coverage:
Optional
Average Price Range:
Get a quote to customize your price
# Pets Best Insurance
Pets Best offers several insurance policies that help keep veterinary and emergency costs low for dogs and cats. Unlike many insurers, Pets Best has policies that help pay for routine medical care. Pets Best also has Accident-Only plans with low rates. Many pet parents like the flexibility that they get from Pets Best because it helps them avoid unnecessary expenses.
## Overall Rating
One of the five sources is our site, where we collect customer reviews and verify their authenticity. Read some of the most recent Pets Best Pet Insurance reviews from real pet parents like you!
## Coverage
Pets Best offers a variety of coverage options, from accident only to standard accident and illness to wellness care.
### Coverage Notes
Pets Best offers six unique coverage options, ranging from accident only to accident & illness to wellness care.
### Coverage Highlights
**Optional Routine Care Add-On**
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
**EssentialWellness**
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning – $0
Rabies – $15
Flea/Tick Prevention – $50
Heartworm Prevention – $30
Vaccination/Titer – $30
Wellness Exam – $50
Heartworm test or FELV screen – $25
Blood, fecal, parasite exam – $50
Microchip – $20
Urinalysis or ERD – $15
Deworming – $20
**BestWellness**
Spay/Neuter — Teeth Cleaning – $150
Flea/Tick Prevention – $65
Vaccination/Titer – $40
Heartworm test or FELV screen – $30
Blood, fecal, parasite exam – $70
Microchip – $40
Urinalysis or ERD – $25
### Coverage Details
**Accident and Illness Coverage**
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
* Accidents
* Behavioral Issues
* Cancer Coverage
* Chronic Conditions
* Congenital Conditions
* Diagnostic Treatment
* Emergency Care and Hospitalization
* Euthanasia
* Hereditary Conditions
* Illnesses
* Prescription Medications
* Prosthetic Devices and Wheelchairs
* Surgery
**Accident-Only Coverage**
Pets Best offers an accident-only plan designed for those on a limited budget but still want coverage for accidents.
Get a quote or call Pets Best at 866-440-2020 to learn about coverage details.
Wellness Care Coverage:
Deductible Options:
$100 - $1,000
Reimbursement Options:
70%, 80%, or 90%
Hereditary Disorders:
Minimum Age for Enrollment:
7 weeks old
Maximum Age for Enrollment:
None
Waiting Period Accidents:
3 days\*
Waiting Period Illnesses:
14 days
Waiting Period Orthopedic Issues:
6 months\*\*
Policy Exclusions:
Listed Below
### Enrollment Requirements
A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.
*\* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:*
**Waiting Periods for Most States:**
* Accidents: 3 days
* Illnesses: 14 days
* Cruciate Ligament Conditions: 6 months
* Routine Care: 0 days
**Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington**
* Accidents: 0 days
* Cruciate Ligament Conditions: 30 days
**Waiting Periods for North Dakota Only**
*\*\* 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.*
Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment
### Cost
Pets Best is the most affordable pet insurance provider in the U.S. today. Across the board their rates are consistently lower than similar coverage options. So if you're looking for great value, it's hard to beat Pets Best!
Average premium based on $250 deductible, 90% reimbursement, unlimited payouts for 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.
Pets Best charges a $2 per month transaction fee.
### Sample Premiums
Dogs
Average for dogs:
$31 per month
Cats
Average for cats:
$19 per month
### About Pets Best Insurance
Pets Best was founded in 2005 by Dr. Jack Stephens, DVM, who is the “father” of the pet insurance industry in North America (Jack also founded Veterinary Pet Insurance in 1981).
## Is Pets Best the Right Insurance for Your Family?
Pets Best gives you many options, so you can choose the perfect fit for your family.  to help you decide whether Pets Best has a pet insurance plan that matches your needs and budget.
Company:
Policy Options:
Service:
### Company Profile
Pets Best Insurance was founded in 2005 by Dr. Jack Stephens. Dr. Stephens, a long-time veterinarian, also founded Veterinary Pet Insurance (now ) in 1980 (1st pet insurance policy sold in the U.S. was through VPI in 1982: source) and took his 24 years of experience into the creation of Pets Best.
*Pets Best mission: “End economic euthanasia by helping to ensure pet owners are financially prepared when their pets need unexpected veterinary care.”*
Year Founded:
2005
Headquarters:
Boise, Idaho
Underwriter:
Independent American Insurance Company (IAIC)
:
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best Insurance Services, LLC (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.
Leadership:
Dr. Jack Stephens, Founder | Greg McDonald, CEO | Chris Middleton, President
Vet Policy:
Any licensed U.S. veterinarian
### Policy Exclusions
A. PRE-EXISTING CONDITIONS: In determining which conditions are pre-existing, we look at the 18 months preceding the policy effective date and exclude any conditions that were present during that period. Conditions that are present during the policy waiting period are described in 2. C. are also deemed to be pre-existing conditions. Please note, the following conditions are deemed pre-existing if they are present at any time preceding the policy effective date or the expiration of any waiting period:
1. Chronic Conditions.
2. Bilateral Conditions, if your Pet had at any time any PreExisting Conditions consistent with that same Bilateral Condition on either side of the body.
3. Intervertebral disc Conditions, if your Pet had at any time any Pre-Existing Conditions involving the intervertebral discs (due to either degeneration or trauma).
B. PREVENTIVE CARE including, but not limited to:
1. Wellness exams; vaccinations or titer tests; parasite control (e.g., flea control, tick control, heartworm medication, and deworming); and dental care (see Section 8.E.)
2. Elective and cosmetic procedures, including, but not limited to tail docking, ear cropping, declawing, dew claw removal, and ear cleaning.
3. Spaying or neutering at any time or for any reason unless recommended by your Veterinarian following a Condition that involves damage to the reproductive organs. Cryptorchidism and retained ovarian remnants are not Illnesses for the purpose of this exclusion and are not covered.
4. Claims for Pets found to be healthy and presenting with no clinical symptoms.
C. OTHER EXCLUSIONS: We do not cover the costs, fees, or expenses associated with:
1. Treatments, therapies, and services described under the Supplemental Benefits coverage, if this coverage is not purchased at enrollment;
2. Any prescription or over-the-counter medications that are not included in our formulary of covered medications;
3. Administrative charges for the processing of insurance claims and/or sending medical records;
4. Injuries due to any intentional act, including organized dog fighting, that involves you or a member of your household;
5. Breeding and Conditions related to pregnancy;
6. Boarding and transport expenses, including ambulance transportation;
7. Complications of or diagnostic tests, treatments, therapies, and/ or medications related to Conditions not covered or restricted by this policy;
8. Anal gland expression;
9. Bedding, housing, crates, cages, ramps, bowls, feeding, exercise, pet foods, supplements, grooming, nail trims, toys, clothes, leashes, collars, biohazardous waste fees, and treats;
10. Any Condition resulting from activities related to training for or participating in racing, including track or sled racing;
11. Any Accident, Condition, or Cruciate Ligament Event with respect to which the Policyholder was advised by a Veterinarian to take preventive measures, and did not meet the terms;
12. Alternative and Holistic Treatments;
13. Experimental therapies and medications, including any therapy for which there are no published articles in peer-reviewed journals for the indicated Condition;
14. Conditions arising from a repetitive and specific activity that leads to decontamination (e.g., the induction of vomiting), medical, or surgical treatment of your pet if the same or a similar activity occurred two times within 18 months prior to the treatment date, whether before or after the Policy Effective Date;
15. Training and treatment of Behavioral Conditions, with the exception of consultations and prescription medications (if the appropriate Supplemental Benefits are purchased);
16. Cremation and burial;
17. Losses that arise from a nuclear reaction, radiation, radioactive contamination, or the discharge of a nuclear device or a chemical, biological, biochemical, or electromagnetic weapon, device, agent, or material, whether controlled or uncontrolled, accidental or otherwise; or
18. Losses that arise from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, strikes, riots, or civil commotion.
*Note: This is a summarized overview. For detailed terms and conditions, visit < Pre-existing conditions are not covered, and various terms such as waiting periods, deductibles, co-insurance, benefit limits, and exclusions may apply. Products, schedules, rates, and discounts are subject to change.*
## Compare Pets Best
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