Pet Health Insurance Coverage for Dogs and Cats

Pets Best pet insurance plans for dogs and cats cover 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, and we process most claims within a few days. To see pricing and coverage details customized for your pet, get a free quote, or read more about our plans below.

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

Examples include broken bones, poisoning, car accident, lacerations, foreign object ingestion which results in surgery.

This also includes accidents that happen while hunting or in the line of service.

Examples include cancer, diabetes, arthritis, allergies, cruciate ligament injuries, skin and ear infections, urinary tract infections, and epilepsy.

Including coverage for blood work, MRIs, surgery, medication, and chemotherapy.

Examples include hip and elbow dysplasia, luxating patella, cherry eye, IVDD, Wobbler Syndrome, glaucoma and epilepsy.

See any licensed veterinarian, including emergency centers and specialists. Coverage for surgeries includes operations to remove foreign bodies like swallowed socks, surgeries for mass removals, and more.

Our plans also cover pre-anesthesia tests. Veterinarians typically require pre-anesthetic blood work to be performed before a pet’s surgery.

Most plans provide coverage for prescription medications. Download our formulary here: covered medications.

When your policy renews, we don’t consider previously covered conditions to be pre-existing. This means your pet will still be covered up to your plan’s maximum benefit, even if treatment spans many months or years.

Examples: exams, bloodwork, MRIs, CAT scans, pathology reports and X-rays.

We have no upper age limits for pets and we don’t reduce or cancel coverage based on your pet’s age.

Prostate problems, hormonal skin conditions, perianal tumors, mammary tumors, uterine and ovarian conditions, as well as injury due to motor vehicle or aggressive behavior whether or not your pet is spayed or neutered

We cover behavioral consults with, and/or medication prescribed by, a licensed veterinarian.

Proper dental care is vitally important to the overall health of your pet. BestBenefit plans include coverage for periodontal disease if your pet has met the following conditions:

  • Your pet must be free from all dental disease at the time of sign up
    • Any pre-existing periodontal disease will not be eligible for coverage under our policy
  • For pets age 0 to age 2, there is no teeth cleaning requirement in order to have periodontal coverage
  • For pets aged 3+, Pets Best will verify with your vet that a teeth cleaning was completed in the previous 13 months under general anesthesia
    • As long as that teeth cleaning comes through with no signs or symptoms of periodontal disease, your pet will have coverage if this develops

When prescribed or provided by a licensed veterinarian to treat a covered accident or illness.

Our plans cover euthanasia for humane reasons.

Your pet can be treated by any licensed veterinarian anywhere in the US, Canada, or Puerto Rico.

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.

Most plans include coverage for exam fees when your pet is seen by a licensed veterinarian for covered accidents and illnesses.

Most plans include coverage for acupuncture and chiropractic treatments administered by a licensed veterinarian.

Examples: hydrotherapy, cold laser and physical therapy.

Most of our plans cover a wide range of prescription medications. Download our list of covered medications.


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.

Any illness or injury that begins before your policy is effective, or during your waiting period, will be considered “pre-existing”. Some conditions, like broken legs or kennel cough, heal or are curable and require no further treatment. Once healed or cured, these are not considered pre-existing conditions.

Our BestBenefit plans do not cover preventative care or elective care. Examples of elective and preventative procedures include: anal gland expression and removal, tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal. Limited coverage for vaccines and preventive care is available with our optional BestWellness plan.

Testing, treatment and prevention of parasites are not included. Limited coverage for parasite testing and prevention is available with our optional BestWellness™ plan. Examples of parasites: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies.

Examples of non-veterinary expenses include: taxes, administration fees, waste disposal fees, transportation fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian.

Herbal, holistic, and experimental therapies and medications are not covered. However, chiropractic care, acupuncture, cold laser therapy, physical therapy and hydrotherapy are not considered to be holistic or experimental and are covered. 

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.

* $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.

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