Pets Best Insurance: Coverage anywhere in the world!

Your Pregnant dog is covered too!

Pets Best Insurance covers some things that other plans do not, such as Pregnancies (not all breeds). Also, you can travel Anywhere in the world. Only one other company in the USA offers this.

A good thing; if your pet has a cruciate ligament injury on one side of the pet, the other side won’t be considered pre-existing. Many companies say that if your pet had cruciate ligament injury on one side, the other side is considered pre-existing.

With Pets Best Insurance some pre-existing conditions may change to non pre-existing, for example, broken leg, once healed, may not be considered pre-existing.

Petsbest website is very informative and explains everything. They do not seem like they are hiding information.

No benefit schedule with Pets Best Insurance! Meaning, they reimburse you for what you pay. 

The exact policy is different for every state.


Drawbacks of Pets Best Insurance: 

• Don’t cover many specialists (only acupuncture and chiropractors). Specialists are often what end-up costing the big bucks!
Maximum Lifetime limit- They have a maximum lifetime limit, although it is quite high, this could potentially be a problem if your pet comes down with something that is very expensive to fix. However, they have large per incident limits and so the likelihood of going over is lowered.
Pre-existing coverage: their website says that they do not cover pre-existing conditions, this is typical, however, they also say that a dition can be considered pre-existing even if your pet has no signs or symptoms. In my opinion, this could potentially be a problem.
Ongoing conditions- pets with ongoing conditions, such as diabetes, will not be covered for full health, instead you can get accident only.
Congenital Conditions- They also don’t cover congenital conditions (conditions that your pet is born with, even if it’s not noticeable).


The recommended plan of Pets Best Insurance is Pets First with a $250 deductible.

When I phoned, I talked with Clint at 1866-929-3807 direct extension 304.

Below, I have created 2 charts. The first one is to give you a big picture of the overview of the costs and payments, and the second one is a more detailed chart. I have also answered any questions that you might have. If you have any more questions, feel free to Contact Me

USA Pet Insurance Reviews are found here.

Snapshot Information Chart for Pets Best Insurance
All plans have an 20% co-payment.

click here to understand co-payments 

Plan Accidents and Illness Deductible (per incident) Max age limit to sign on Lifetime cover Price per month
Accident Only (20%) $1500/incident, $10000 lifetime. Accidents ONLY $100 none Yes, upto incident and lifetime limit Phone for quote. Generally for pets that already have pre-exisiting conditions
Pets Basic (20%) $2500/yr, $42500 lifetime $100 or 250 or 500 none Yes Dog: $ 9.37-28.43 Cat: $7.12-14.95
Pets First (20%) $7000/yr, 100000lifetime $100 or 250 or 500 none Yes Dog: $ 21.94-51.51 Cat: $16.69-26.43
Pets Premier (20%) $14000/yr, 100000 lifetime $250 or 500 none Yes Dog: $ 39.06- 67.53 Cat: $27.08-33.85

Deductible: you get to choose your deductible from $100, 250 or 500.
Their recommended plan is Pets First with a $250 deductible.

Detailed coverage Chart for Pets Best Insurance

Accident Only Pets Basic Pets First Pets Premier
Vet fees Accident and Illness $1500/incident, $10000 lifetime. Accidents ONLY $2500/yr, $42500 lifetime $7000/yr, 100000lifetime $14000/yr, 100000 lifetime
Routine Care Optional with BestWellness Optional with BestWellness Optional with BestWellness
Hereditary Conditions (if enrolled before age 2) $500/lifetime $1000/lifetime $2500/lifetime
Hip dysplasia Included if enrolled before age 2 Included if enrolled before age 2 Included if enrolled before age 2
Death (replacement cost of pet)
Euthanasia, Cremation or burial $200/lifetime $300/lifetime $400/lifetime
Boarding (if owner hospitalized)
Holiday (trip cancellation)
Cover Abroad ANYWHERE in the world ANYWHERE in the world ANYWHERE in the world ANYWHERE in the world
Quarantine costs
Behavioural problems $200/lifetime $300/lifetime $400/lifetime
Prescription meds yes yes yes yes
Dental (not teeth cleaning) yes $100 teeth cleaning if you get BestWellness $100 teeth cleaning if you get BestWellness $100 teeth cleaning if you get BestWellness
Alternative treatment yes $150/year (chiropractic and acupuncture only) $250/year (chiropractic and acupuncture only) $500/year (chiropractic and acupuncture only)
Pregnancy $300/lifetime $400/lifetime $500/lifetime
Medical devices (ex. Wheelchair for dog) yes yes yes yes
Lost/Stolen pet adds
Third party liability
(dogs only)
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident
Routine/Preventative care– The program for Routine care is BestWellness. The costs start at $22/month with no deductible, and cover upto $480 for dogs and $545 for cats. It covers certain amounts for: Annual exam, Annual vaccines, Spay/neuter, Teethcleaning, Blood panel, heart worm test, fecal test, flea and heart worm meds. This is a pretty good deal, since you will pay about $240/annually, and will get twice the benefit. This is especially good if you will get your pet fixed that year. The downside is that you can’t purchase this insurance on it’s own, you must purchase their main plan aswell. You can add or remove this option only at annual renewal (or when you first sign up).
Hereditary conditions- if your pet is signed up before it’s 2nd birthday then they will be covered.
Hip Dysplasia- included in list of hereditary conditions. Your pet must be signed up before it’s 2nd birthday for it to be covered.
Death- is not covered.
Euthanasia and Cremation and Burial- is covered for the Basic ($200) First ($300) and Premier ($400) plans upto the limit.
Boarding– not covered.
Holiday– not covered.
Cover abroad– you are covered at ANY vet in the WORLD!
Quarantine costs– are not covered, if your pet needs to be Quarantined to come back to the USA, or to travel.
Behavioral problems– will cover medication and consultations with a licensed vet only for the Basic, First and Premier plans.
Prescription Meds– they will cover veterinarian medicines that are approved by the FDA approved list of veterinarian drugs.
Dental– is covered, and teeth cleaning is covered for Basic, First and Premier plans if get additional wellness plan.
Alternative treatment-Acupuncture, chiropractic coverage is available.
Breeding, Fertility, Pregnancy– Pregnancy can be covered for many breeds, however they do exclude some breeds as follows: Dog breeds: Bulldog, French bulldog, Boston Terrier, Chihuahua, Pug, Dachshund, Lhasa Apso, Maltese, Pekinese, Pomeranian, Schipperke, Shih-Tzu, Tea cup poodle, West Highland Terrier, Yorkshier Terrier.  Cat Breeds: Himalayan, Persian.
However, Fertility and Breeding are not covered.
Medical devices– are covered.
Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) – not covered.
Third party liability(dogs only)- not covered.
Accidental Damage- not covered.
Grooming and Bathing- not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- not covered.


Some Common Questions:

Lifetime insurer (will they cover on going conditions throughout pets life)? 
Yes. The lifetime maximum is very high, so it is pretty much the same as an annual coverage plan. Their accident plan has a lower lifetime limit though.

If you want to better understand Lifetime Pet Insurance, check out this page!

7% multiple pet.
7% annual payment.
You can only use one discount or the other.

Any vet or specific vets only? After hours vets or in home vets? 
Any vet, including emergency vets. Your pet is covered ANYWHERE in the world with Pets Best Insurance.

Can the vet be paid directly?  
If your vet agrees.

If not, How quickly are claims processed? 
Cheques are processed and written within 5 business days.
They do offer direct deposit as well (at no extra charge), this takes 2-3 business days.

Does Pets Best Insurance cover examination fee (if it relates to the injury or illness)? 

All breeds? 
Pregnancy coverage with Pets Best Insurance excludes some breeds.

Do I stop getting coverage as my dog ages? 
Only as much as the maximum lifetime claim amount.

Does age affect monthly price (as my dog gets older will the monthly premium go up)?  
Yes, but not too much (perhaps 75c to 1.00 when you renew each year).

Do they put the monthly price up every year? By how much? 
It goes up 25cents to $1.5. perhaps 75c to 1.00 when renew on average.

Do they serve all of USA? Is the monthly amount more depending on where I live? 
Yes and Yes (breed and age of pet also affect your monthly premium).

Waiting period? 
Illness, and Wellness (routine care)- 14 day waiting period.
Accident= 3 day waiting period.

Do rates increase with more claims/penalized for filing more claims? 
Yes, however, they may also go down if you file fewer claims.

Maximum lifetime claim amount? 
Pets Basic– $42500 lifetime.
Pets First, Pets Premier – $100000lifetime.

What is the co-pay? 
20% co-payment with Pets Best Insurance

Extras included? 
If you refer a friend and they keep the plan for 35 days or more, then you will get points you can use as gift cards. Some states do not offer this, and so, for these states, that money will be donated to the Morris Animal Foundation.

Money back guarantee? 
14 days and haven’t filed a claim.



What Pets Best Insurance doesn’t cover – claims that are directly or indirectly related to:
• Pets under 7 weeks old.
• Pre-existing conditions (unless it’s cured).• Treatment not recommended by a vet.

• Pets Best Insurance do not cover Pregnancy for the following breeds:
Dog breeds:Bulldog, French bulldog, Boston Terrier, Chihuahua, Pug, Dachshund, Lhasa Apso, Maltese, Pekinese, Pomeranian, Schipperke, Shih-Tzu, Tea cup poodle, West Highland Terrier, Yorkshier Terrier.  Cat Breeds: Himalayan, Persian.

Pets Best Insurance DO have coverage for activities that result from: racing, breeding, hunting, law enforcement.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.


If you want to contact Pets Best Insurance, you can phone 1866-929-38071-877-738-7237 ext. 1, Monday through Friday between 8 AM and 5 PM, and Saturday 10 Am to 2 PM, Mountain Time.

Please come back here and Leave a review about whatever plan you decide to go with. Thank you.


Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

ASPCA Pet Health Insurance– 10% of your purchase goes towards helping shelter animals.

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance– 2 plans to choose from.

Embrace Pet Insurance – Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget.

Healthy Paws Pet Insurance – More customizable plans created by people who love animals.

Pet Assure– pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions.

Pet Care Pet Insurance– HUGE assortment of plans to choose from.

Pet First insurance– same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Pet Plan insurance – Excellent plans with upto 100% coverage!

Petsafe – Unlimited coverage at reasonable prices.

Quick Care – 5 plans, with one especially for Tenants!

Shelter Care – Great prices and excellent customer service.

Trupanion –one plan so it’s easy, you just have to pick the perfect deductible for you.

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

Pet Insurance Terminology – all the complicated terminology explained simply and easily.


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