A waiting period refers to the amount of time after enrolling before coverage is provided. Pets Best offers some of the shortest waiting periods in the industry: just 3 days following the policy effective date for accidents, 14 days for illnesses, and 6 months for cruciate ligament events and any related conditions. Routine care plans can be used the day after you enroll.

Once met, waiting periods are waived for continuous, uninterrupted policy renewals.

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 does not cover pre-existing conditions. 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.

If your pet has a pre-existing condition, you can use the CareCredit credit card at veterinarians in the CareCredit network to help pay for expenses not covered by pet insurance. Learn more about CareCredit.

Yes. When your pet is insured with Pets Best, you can use any licensed veterinarian in the US. 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 or EssentialWellness, can be added to any regular pet insurance plan to help pay for spay/neuter, blood work, vaccinations and much more. Click here for more details on routine care. 

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 routine care options are designed to save you money on expected and preventative care for your pet. For a list of all the things our routine care plans cover, click here.  

Good dental care is vitally important to the overall health of your pet. Our BestBenefit plans include coverage for periodontal disease and other dental issues if proper preventative care as outlined in the policy document has been performed.

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 a 5% discount on BestBenefit plans. If you are an existing customer enrolling a new dog or cat, please log in to your Customer Account to see if your new pet qualifies for a multi-pet discount.

Claims & Deductibles

The easiest and fastest way to file a claim is through your Customer Account or one of our mobile apps. Once you login you can submit and view your claims, and sign up for direct deposit. You can also send us your via email, fax, or standard mail. We process claims quickly and send reimbursements as paper checks or free direct deposit - your choice. Please see How to File a Claim for details.

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

Pets Best strives to process claims as quickly as possible, with online claims submission from any device. Choosing to receive claim payments via direct deposit is the fastest way to be reimbursed, with payments deposited in as little as two days after we've finished processing your claim. If you haven't signed up for direct deposit, you can expect to receive a paper check in 5-7 days after we've processed your claim to account for mailing times.

For the fastest reimbursement after processing, sign up for direct deposit in your Customer Account.

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 5 am and 7 pm Monday - Friday, or 6 am - 2 pm Saturdays, Mountain Time. You may also chat with a live customer care or sales agent during our operating hours by clicking the chat link at the top of each page.

Your policy will renew automatically every year. If at any time you wish to cancel, simply notify us by phone, mail, or email and your policy will be cancelled 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.