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Pets Best Insurance
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Accident & Illness Coverage:
Wellness Coverage:
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Pets Best Insurance

Pets Best offers several insurance policies that help keep the 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.

Pets Best Reviews

Overall Rating

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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

Wellness Care

Pets Best has two preventative care plans to choose from depending on your annual pet care needs and monthly budget.



ESSENTIALWELLNESS – $16 to $21.75 per month*

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
  • Total annual benefits – $305


BESTWELLNESS™ – $26 to $32.58 per month*

Pays up to the following limits, per year, with no deductible:

  • Spay/Neuter — Teeth Cleaning – $150
  • Rabies – $15
  • Flea/Tick Prevention – $65
  • Heartworm Prevention – $30
  • Vaccination/Titer – $40
  • Wellness Exam – $50
  • Heartworm test or FELV screen – $30
  • Blood, fecal, parasite exam – $70
  • Microchip – $40
  • Urinalysis or ERD – $25
  • Deworming – $20
  • Total annual benefits – $535

*Price varies by state, and by pet age. Get a quote to see pricing for your pet.


    • Routine Care can be added to any plan for additional premium to help pay for wellness exams, vaccinations, spay/neuter, bloodwork, heartworm preventative, and more
    • Total Annual Benefits for EssentialWellness is $305 per annual policy term
    • Total Annual Benefits for BestWellness™ is $535 per annual policy term
    • There are no deductibles to meet for either routine care plan, and your benefits become available on your policy’s effective date.
    • Iconography can be displayed to show coverage options, example below. Please ask your Account Manager for the appropriate file types provided by Pets Best. Icons for: Wellness Exams, Spaying & Neutering*, Teeth Cleaning*, Microchipping, Diagnostic Panels, Preventative Medications, Vaccinations.
      • Benefits only available with BestWellness plan

Coverage Details

Accident & Illness

Pets Best has three levels of accident & illness coverage depending on your needs. Their Essential plan is the most basic option offering $5k in annual benefits covering treatment for standard accidents and illnesses. Their Plus plan is extremely popular and has the same coverage as the Essential plan but also covers Accident & Illness Exam Fees and Rehabilitative, Acupuncture & Chiropractic Coverage. The third option, which is the Elite plan, mirrors their Plus plan but has an unlimited benefit limit vs. $5k per year.


Accident Only Plan

Finally, Pets Best offers an Accident plan that features a $10,000 annual limit with a $250 deductible and 90% reimbursement. This plan covers the treatment of accidents, like broken bones, foreign body ingestion or being hit by a car.

*6 month waiting period for cruciate ligaments

Accident & Illness Coverage:
Wellness Care Coverage:
Deductible Options:
$50 - $1,000
Reimbursement Options:
70 - 90%
Hereditary Disorders:
Minimum Age for Enrollment:
7 weeks old
Maximum Age for Enrollment:
Waiting Period Accidents:
see details/quote
Waiting Period Illnesses:
see details/quote
Waiting Period Orthopedic Issues:
see details/quote
Policy Exclusions:
Listed Below

Enrollment Requirements

* 6 month waiting period for cruciate ligaments for all states other than ME, where it’s 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


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.

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Sample Premiums


Average for dogs:
$31 per month


Average for cats:
$19 per month

See How Much It Will Cost You

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 a lot of options so you can choose the perfect fit for your family. Get a price quote to help you decide whether Pets Best has a pet insurance plan that matches your needs and budget.

Policy Options:

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 Nationwide Pet Insurance) 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:
Boise, Idaho
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.
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 described in 2. C. are also deemed to be Pre-Existing Conditions. Please note, the following Conditions are deemed Pre-Existing Conditions 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.