Pets Best offers some of the shortest waiting periods in the industry: just 3 days for accidents and the Accident Only plan, and 14 days for illnesses and BestWellness coverage, if purchased. Seven conditions are subject to a 12-month waiting period, unless your pet is examined by a veterinarian and determined to be in good health within 30 days of enrollment. The conditions are: Cruciate Ligament Injuries, Luxating Patellas, Portosystemic Shunts, Elbow Dysplasia, Hip Dysplasia, Osteochondritis Dissecans and Cardiovascular Defects. Learn more about our Pet Health Checklist.

Pets Best has no upper age limits, so you can insure your dog or cat at any age over 7 weeks. As your pet ages, more medical problems may develop and the need for pet health insurance will likely increase. Chronic disorders and medical problems that wouldn't be dangerous when young can be easily life threatening as your pet grows older.

You may enroll your dog or cat as early as 7 weeks of age. Like children, young dogs and cats have the highest risk of accidents. And because their immune systems aren't mature, they're more susceptible to infectious diseases. Pets Best plans have no upper age limits, so senior dogs and cats get the same great coverage as kittens and puppies.

Pet insurance, as with all insurance, is for unexpected accidents and illnesses. Unfortunately pet insurance coverage cannot be started for an already sick or injured pet. However, getting coverage for your pet will cover most future accidents and illnesses should something happen. We also offer accident only coverage for pets with severe chronic conditions, and wellness coverage to help manage the cost of routine care for your pet.

Yes. When your pet is insured with Pets Best, you can use any licensed veterinarian anywhere in the world. We have no network, no schedule of benefits and no pre-authorization procedures. We want your pet to receive the best care possible, which is why we also cover visits to specialists and emergency after-hours clinics.

Routine care coverage, called BestWellness, can be added to any regular pet insurance plan to help pay for spay/neuter, blood work, vaccinations and much more.

If your pet has one of several pre-existing severe chronic conditions, you may be offered an Accident Only plan. These plans offer coverage for accidents that might occur with your pet, and you can add wellness to Accident Only plans. 

If you prefer, you can simply pay the annual expenses of routine care, like dental cleaning, vaccinations and blood work, on your own. However, our BestWellness plan is designed to provide you with maximum benefits for checkups, vaccines much more to help you monitor your pet's health. BestWellness offers up to $505 in annual benefits for dogs and up to $565 in annual benefits for cats.

Routine dental cleanings are included in BestWellness routine care coverage, if you choose to add it to your regular pet insurance plan. Tooth extractions and reconstruction of canines only are covered when needed due to traumatic injury, like being hit by a car.

People who would rather save for a rainy-day fund may not feel comfortable purchasing insurance. We respect that. We also know that many pet owners end up with large medical bills before they've been able to save enough money to cover them. As more and more people consider pets part of their families, pet insurance especially helps those who would do whatever it takes to keep their pets healthy and happy.

Price & Billing

As they age, our pets face the same increasing risk of cancer, heart disease, kidney failure, and other problems of aging that we all do. Prices increase as your pet ages to cover the increased veterinary costs associated with growing older.

Yes. When you enroll more than one pet, you can earn up to a 5% discount in most states.

Claims & Deductibles

You can send us your claim online, via fax or standard mail. We process most claims within 2 business days and send reimbursements as paper checks or free direct deposit - your choice. Please see How to File a Claim for details.

No! Our BestWellness routine care coverage does not have a deductible to meet. BestWellness helps pay for routine diagnostic testing, spaying/neutering, teeth cleaning, blood work, vaccinations and more. For more details check out our Routine Care page.

We process most claims in five business days, and if you choose a paper check, you can expect to receive it about two weeks after filing your claim. If you choose direct deposit, your reimbursement will be deposited as soon as two business days after we process your claim.

No, our BestBenefit plans do not use a benefit schedule, which is a list that puts a limit on what each type of treatment can cost. Instead, we reimburse your choice of up to 70%, 80%, or 90% of your actual vet bill after the deductible you choose, up to your plan’s maximum benefit.

Customer Service

Yes. You can reach Customer Care at 1-877-738-7237, between 7 AM and 7 PM Monday - Friday, or 10 am - 2 pm Saturdays, Mountain Time. We also have a live chat button on the left hand side of each web page (except the home page).

Your policy will renew automatically every year. If at any time you wish to cancel, simply notify us in writing via mail or e-mail and your policy will be canceled the day we receive your notice. You can also call us at 1-877-738-7237 and speak with us to cancel or review renewal options that meet your needs.  

You can refer friends two ways through your Customer Account: send a pre-written email with your personalized link, or copy your personalized link to share on Facebook. Your friends may also provide your referral code to a sales agent over the phone. In states where allowed, you'll be awarded points for every friend who purchases and keeps a pet insurance plan for at least 35 days. Your points can then be redeemed for gift cards. For more details, please visit Refer a Friend.