What Does Pet Insurance Help Cover? (Complete Guide)
Pets Best pet insurance plans for dogs and cats can cover unexpected accidents, illnesses, surgeries, cancer, and much more. You can also add routine wellness coverage for preventive care or choose specialized coverage options to fit your pet’s needs. Visit any licensed veterinarian in the US or Canada, then easily manage your policy and submit claims from your mobile device. Get a free quote to see personalized coverage options and pricing for your pet, or read more about our plans below.
In This Guide
Pets Best offers extensive accident and illness pet insurance options that reimburse eligible vet costs when unexpected accidents, emergencies, or illnesses happen. With multiple deductible and reimbursement options, accident and illness plans can be customized to help meet the pet insurance needs of your four-legged family member, and your budget.
Brief descriptions of coverage for our accident and illness plans are listed below, however we recommend downloading a sample policy or contacting us if you have any questions.
With Pets Best Accident & Illness plans, you can add optional coverage for exam fees, acupuncture and chiropractic treatments, and prescription medications for an additional cost. Choose the benefits that best fit your pet's healthcare needs and your budget, and customize your coverage and premium accordingly.
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.1 
How Does Pet Insurance Coverage Work?
Pet insurance helps reimburse you for eligible veterinary expenses when your pet is unexpectedly sick or injured. Once your policy is active and any applicable waiting periods have been met, getting reimbursed is easy:
STEP 1
Visit any licensed veterinarian
Visit any licensed veterinarian in the U.S., Canada, or Puerto Rico for covered care.
STEP 2
Pay your veterinary bill
Pay your veterinary bill at the time of service (or use Direct Vet Pay when available).
STEP 3
Submit your claim
Submit your claim online or through the Pets Best mobile app or your online customer portal.
STEP 4
Receive reimbursement
Receive reimbursement for eligible expenses based on your plan's deductible, reimbursement percentage, annual limit, and policy terms.
Accident Only Pet Insurance Coverage
Pets Best Accident Only plans provide affordable protection for unexpected injuries like broken bones, snake bites, accidental swallowing, and other accidental injuries. They’re a great option for pet parents looking for budget-friendly coverage. The Accident Only plan does not cover illnesses such as cancer or diabetes, which are covered under our BestBenefit Accident and Illness plans. Accident Only plans start at just $6 per month for cats and $9 per month for dogs, regardless of your pet’s age and breed.* 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.
Wellness Coverage for Routine and Preventive Care
EssentialWellness or BestWellness routine care coverage can be added to any plan for an additional premium to help cover the cost of routine and preventive veterinary care. Wellness coverage helps pay for expected pet care expenses like vaccinations, annual wellness exams, and teeth cleaning. Wellness plans do not have a deductible, and coverage begins the day after you enroll. A wellness plan can be especially valuable for new
How Much Pet Insurance Coverage Do I Need?
The right amount of pet insurance coverage depends on your pet's age, breed, lifestyle, and your budget. When choosing a plan, consider factors like your annual coverage limit, deductible, and reimbursement percentage, as these options can affect both your monthly premium and your financial protection if your pet needs unexpected veterinary care. Learn more about choosing the right level of coverage for your pet.