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Accident and Illness Pet Insurance Plans

Complete Pet Health Insurance Coverage For Your Dog Or Cat

Pets Best Insurance offers four different types of pet insurance plans, plus a routine care option, so you can choose the perfect pet insurance coverage for your pet. 

Current customers: Please download a copy of your policy from your Customer Account. Due to recent plan changes, the below details may not reflect your policy.

BestBenefit Accident & Illness Plans

Level 1 Level 2 Level 3
Accidents
Illnesses
Cancer
Hereditary/Congenital
Annual Coverage
Lifetime Coverage
Hollistic Coverage
$5,000
$100,000
$350
$10,000
$150,000
$600
$20,000
$200,000
$1,000
For all levels, choose your reimbursement level: 70%, 80%, 90% or 100%
For all levels, choose your annual deductible: $0, $50, $100, $200, $500 or $1000

BestBenefit Accident and Illness Plans

Our BestBenefit plans offer the most comprehensive coverage for accidents and illnesses, including hereditary and congenital conditions. You'll receive up to 100% reimbursement of your vet bills, after a deductible. Learn what BestBenefit plans cover.

BestWellness routine care coverage can be added for an additional premium, and helps pay for routine care with no deductible to meet. Learn more about adding BestWellness to your plan.

Waiting periods are just 3 days for accidents and 14 days for illnesses and BestWellness, if purchased. Seven conditions are subject to a 12-month waiting period, which may be waived. 

Feline Illness Plan

$4,000 annual limit/$10,000 lifetime limit

The Feline Illness plan covers the diagnosis and treatment of feline illnesses, including diabetes and kidney failure. See the complete list of covered illnesses.

In addition to the exclusions listed on What’s Not Covered, Feline Illness does not cover undiagnosed conditions, accidents, routine care, acupuncture, or chiropractic treatment.   

Accident Only Plan

$10,000 annual coverage/$20,000 lifetime coverage

The Accident Only plan covers the treatment of accidents, including exams, X-rays, surgeries, hospitalization and medications. See the complete list of covered accidents.

In addition to the exclusions listed on What’s Not Covered, the Accident Only plan does not cover any illnesses, routine care, acupuncture, or chiropractic treatment.

Cancer Only Plan

$8,000 annual coverage/$30,000 lifetime coverage

The Cancer Only plan covers the diagnosis and treatment of cancer, including exams, blood work, surgeries, medications and chemotherapy. If your pet develops cancer, a histopathology report diagnosing malignant cancer will be required for coverage.

In addition to the exclusions listed on What’s Not Covered, the Cancer Only plan does not cover any other illnesses, accidents, routine care, acupuncture, or chiropractic treatment.

A deductible is the amount that must be paid out of pocket before insurance reimbursement begins. Pets Best Insurance plans have annual deductibles, which means the deductible must be met once per policy year.

or call Pets Best at 866-440-2020

Feline Illness Only complete list of covered illnesses:
  • Cancer
  • Hyperthyroidism
  • Diabetes
  • Chronic Renal Failure
  • Acute Renal Failure
  • Hepatic Lipidosis
  • Cholecystitis
  • Feline Asthma
  • Pancreatitis
  • Pneumonia
  • Heart Disease
  • Intestinal Foreign Body
  • Hypothyroidism
  • Pyothorax
  • Chylothorax
  • Arthritis
  • Acquired Cataracts
  • Feline Infectious Peritonitis (Only if vaccinated)
  • Feline Leukemia Virus (Only if vaccinated)
  • Anemia and Clotting Disorders
  • Mast Cell Tumors
List of covered accidents:
  • Trauma
  • Poisoning
  • Bite (insect, animal, snake)
  • Hit by car or moving vehicle
  • Foreign body ingestion requiring surgical intervention
  • Bone fracture
  • Laceration, cut, abrasion, wound
  • Torn nail
  • Medical problems directly attributable to accidental injury