The Best Pet Insurance for a Lifetime of Care

Help with coverage for the unexpected

Protection for both dogs and cats

Cover up to 90% on eligible vet bills*

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Trusted by more than 1,000,000 pets and the people who love them1


Why Choose Pets Best

With 20 years of experience, Pets Best helps pet parents prepare for life's unexpected veterinary expenses with affordable, customizable pet insurance for dogs and cats. Visit any licensed veterinarian in the U.S. or Canada and submit your claim for eligible reimbursement.

Our plans help cover eligible accidents, illnesses, hereditary and congenital conditions, dental disease, and optional routine wellness care, with no annual or per-incident payout limits. Choose the coverage that fits your pet's needs and your budget, then enjoy a simple claims process and reimbursement of up to 90% of eligible veterinary expenses.

 

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Affordable Pet Insurance Plans

Choose your annual deductible, reimbursement rate, and annual limit to create a pet insurance plan that fits your pet's needs and your budget.

Easy Claims

Submit claims online, through the Pets Best app, or in your Customer Center for a simple digital claims experience.

24/7 Pet Helpline

All plans include access to the 24/7 Pet Helpline at no additional cost. Connect with veterinary professionals anytime for answers to your pet health, behavior, and wellness questions.

Direct Vet Pay

Available with all Pets Best plans, Direct Vet Pay lets us send eligible claim reimbursements directly to your veterinarian on your behalf.

What Does Pet Insurance Cover?

Every pet is different — and so is every budget. Whether you're looking for extensive accident and illness coverage or a more budget-friendly option for unexpected accidents, you can build a plan that meets your pet where they are, from playful puppies to seasoned seniors.

Most Popular

Accident & Illness Coverage

Pet insurance coverage for eligible veterinary expenses related to unexpected injuries, illnesses, hereditary and congenital conditions, emergency care, surgeries, prescription medications*, and more. Customize your coverage by choosing your deductible, reimbursement rate, and annual limit.

  • Hereditary Conditions
  • Allergies
  • Emergency Care
  • Diabetes
  • Cancer
  • Arthritis
  • Rx-Meds1
  • Surgeries
  • and more

Accident-Only Coverage

Helps pay for eligible veterinary treatment after unexpected injuries, including broken bones, swallowed objects, poisoning, torn nails, and other accidental injuries. It's an affordable option for pet parents looking for protection against life's unexpected accidents.

  • Bone Fractures
  • Swallowed Object
  • Torn Nail
  • Poisoning
  • and more

Wellness and Preventive Care

Optional wellness add-ons help reimburse eligible preventive care expenses like annual wellness exams, vaccinations, dental cleanings, spay/neuter procedures, and more. It's designed to help manage the cost of your pet's routine veterinary care.2

  • Regular Vet Visits
  • Vaccinations
  • Spay/Neutering
  • Dental Cleanings
  • and more

Coverage varies by policy and is subject to waiting periods, exclusions, deductibles, reimbursement rates, annual limits, and policy terms. Pre-existing conditions are not covered. Review your policy for complete coverage details.

Pet Insurance Plan Coverage Examples

See how pet insurance can help reimburse eligible veterinary expenses for unexpected accidents and illnesses. These examples are based on real Pets Best claims.

Dog chewing on rope

Graham

Emergency vet visit for swallowing a sock

Claim Amount

$15,204

Plan Covered

$12,5423

Dog chewing on rope

Tink

Emergency treatment for a bite wound

Claim Amount

$4,214

Plan Covered

$2,8203

Pet Insurance Reviews & Testimonials

24/7 Pet Helpline Included

Talk to veterinary experts anytime — day or night — at no extra cost.

As a Pets Best customer, you have unlimited access to the 24/7 pet helpline for answers to all of your pet health questions, at no additional cost to you. From potentially poisonous ingestions to behavior issues, veterinary experts are available at any time to help you out. Access the pet helpline in the mobile app or online Customer Account.

Get answers to common questions like:

“My dog chewed apart his favorite toy and swallowed some of the pieces! What should I do?”

“My cat got into the lilies on the counter. I've heard lilies are bad for cats, should I be worried?”

“Does positive reinforcement training work? My dog won't stop pulling on walks, what can I do?”

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Pets Best Mobile App

Your pet’s care, all in one app.

Everything in One Place

Manage all your pet’s policy and medical documents in one convenient place.

File Claims in Minutes

Snap a photo of your vet bill and submit a claim from anywhere with our Android and iOS apps.

24/7 Pet Helpline

Connect with veterinary experts, day or night, for all your pet health questions at no extra cost. Learn More

Pet Insurance for Dogs and Cats

Whether your best friend barks or purrs, Pets Best offers coverage designed to help pet parents prepare for unexpected veterinary expenses.

Dog on leash

Dog Insurance

Explore flexible dog insurance plans that can help cover eligible veterinary costs for accidents, illnesses, emergencies, and more.

Learn more about dog insurance

Cat in backpack

Cat Insurance

Help protect your cat with flexible coverage for eligible veterinary expenses related to unexpected accidents and illnesses.

Learn more about cat insurance

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Frequently Asked Questions

What does pet insurance cover?

Pets Best pet insurance helps cover eligible veterinary expenses for unexpected accidents, illnesses, injuries, hereditary and congenital conditions, surgeries, diagnostics, prescription medications, and more. Pets Best offers customizable coverage options so you can choose a plan that fits your pet’s needs and your budget. Coverage varies by plan, so review your policy details to understand what is included and excluded.

How much does pet insurance cost?

The cost of pet insurance depends on several factors, including your pet’s age, breed, location, and the coverage options you select. With Pets Best, you can customize your plan by choosing your annual deductible, reimbursement rate, and annual limit to help find coverage that fits your budget. Get a quote to see personalized pricing for your pet.

Why do I need pet insurance?

Pet insurance helps you prepare for the unexpected by reimbursing eligible veterinary expenses for covered accidents and illnesses. Instead of worrying about the cost of treatment, you can focus on getting your pet the care they need. With Pets Best, you can visit any licensed veterinarian in the U.S. or Canada, then submit a claim for eligible reimbursement. You can also customize your coverage by choosing the annual deductible, reimbursement rate, and annual limit that fit your pet's needs and your budget.

Are pre-existing conditions covered?

No. Like most pet insurance providers, Pets Best does not cover pre-existing conditions. A pre-existing condition is an illness or injury that occurred or showed signs before your pet’s coverage began. However, some conditions may become eligible for coverage if they are considered cured and your pet remains treatment- and symptom-free for the required period outlined in your policy. Review your policy terms for details about pre-existing condition eligibility.

Is there a waiting period before coverage starts?

Yes. Pet insurance policies have waiting periods before coverage begins. With Pets Best, waiting periods vary by state and the type of coverage selected. Once your waiting period is complete, eligible new accidents and illnesses that occur after enrollment may be covered according to your policy terms.

How does pet insurance reimbursement work?

Pets Best makes the pet insurance claims process simple. Here’s how it works:

  1. Visit any licensed veterinarian when your pet needs care.
  2. Pay your veterinary bill at the time of service.
  3. Submit your claim online, through the Pets Best mobile app, or through your Customer Center account.
  4. Receive reimbursement for eligible expenses based on your selected reimbursement rate after your deductible is met.

With Pets Best, you can choose a reimbursement rate of up to 90% of eligible veterinary costs, giving you flexibility to select the coverage level that works best for your budget.

20+ Years

of experience

1 Million+

pets enrolled4

$1.3 Billion+

in covered claims5


1 Coverage applies to prescription medications listed on the approved formulary. For a full list of prescriptions that Pets Best plans cover, please download our formulary.

2 Prices may vary by state and pet age. Certain benefits may only be available with the BestWellness plan.

3 Claim reimbursement is based on actual policyholder claims [2024-2025]. Reimbursement amounts may vary depending on the specific terms of the policy, including coverage selected, annual deductible, reimbursement rate, and annual limit. Individual experiences and outcomes may vary.

4 Pets Best. (2024). Internal sales data

5 Pets Best. (2005–2025). Internal Claims Data

Sources:

  1. https://www.usnews.com/insurance/pet-insurance#pets-best

Testimonial[s] provided by Pet’s Best Insurance Services, LLC. member(s). The views and opinions expressed in this testimonial are solely those of the individual providing the recommendation. Coverage options, policy terms, and customer experiences may vary based on personal circumstances and the specific insurance provider’s policies.