What Does Pet Insurance Cover and Not Cover? | Pets Best

Pet Health Insurance Coverage for Dogs and Cats

Pets Best pet insurance plans for dogs and cats can cover unexpected accidents, illnesses, surgeries, cancer, and much more. We also offer wellness coverage for routine care, and specialized coverage plans. Your pet can see any licensed veterinarian in the US and Canada, and you can easily manage your policy and submit claims from your mobile device. To see pricing and coverage details customized for your pet, get a free quote, or read more about our plans below.

What’s Covered by Pets Best Insurance?

BestBenefit Accident and Illness Plans

BestBenefit plans from Pets Best offer comprehensive pet insurance coverage that pays on your actual veterinary bill for unexpected incidents like emergencies and illnesses. With multiple levels of coverage, BestBenefit plans can be customized to meet the pet insurance needs of your four-legged family member, and your budget.

Brief descriptions of coverage for most BestBenefit plans are listed below, however we recommend downloading a sample policy or contacting us if you have any questions.

Coverage Included With All BestBenefit Accident and Illness Plans


Coverage included with most accident and illness plans

While most of our plans offer exam fee, acupuncture/chiropractic, and prescription medication coverage, these can be excluded from some plans to fit the needs and budgets of you and your pet.


What’s Not Covered By Pet Insurance?

Like every pet insurance plan, our plans have some exclusions in order to keep prices affordable. Here are some examples of what’s not covered under our insurance plans.

The CareCredit credit card can help you pay for expenses not covered by pet insurance. Learn more about CareCredit.   CareCredit credit cards can help pay for veterinary expenses not covered by pet insurance.


Accident Only Coverage

Pets Best offers Accident Only plans designed for those on a limited budget that want great coverage for things like broken legs, snake bites, accidental swallowing, and more. Accident Only plans do not cover medical issues such as illness or cancer, which are covered under our BestBenefit Accident and Illness plans. Pricing for Accident Only plans is $6 per month for cats, and $9 per month for dogs, for all ages and breeds!* Get a quote or call us at 866-440-2020 to learn about this coverage designed for specific accident concerns.

Download a Sample Policy

* $7/mo. for cats and $10/mo. for dogs in WA.

Routine Care

EssentialWellness or BestWellness routine care coverage can be added to any plan for an additional premium. Routine care coverage helps pay for your pets regular and expected veterinary visits for items like shots and teeth cleaning. With routine care there is no deductible to meet, and coverage begins the day after you enroll. It’s an excellent way to budget for your pet’s expected medical expenses, and especially important if you have a new kitten or a new puppy. Learn more about Routine Care options.