Why Pet Insurance Matters More Than Ever
Vet care is advancing—and getting pricey. Pet insurance helps owners manage rising costs for both emergency and routine treatments.
The North American Pet Health Insurance Association (NAPHIA) indicates in a report a growth of 12% in pet insurance from 2023 to 2024.
Serious illnesses that need treatment can be a few hundred or several thousand dollars. There is peace of mind from pet insurance that also helps to fill the financial gulf. Pets Best is the number one pet insurance company that offers affordable prices, sufficient coverage, and flexible options along with the best service.
Overview of Pets Best Pet Insurance
With a veterinarian in 2005 the company was founded. Pets Best offers pet parents personalized insurance plans that empower them to choose the type of coverage that meets their pets’ unique needs, and has built a solid reputation on this aspect. It is being backed by American Pet Insurance Company and has an A+ rating from the Better Business Bureau.
Pets Best Coverage: What’s Included
Pets Best has three main plans:
- Essential Plan that covers accidents, illnesses, surgeries, cancer treatments, prescription medications, and hereditary conditions.
- Plus Plan covers all that Essential covers, and also the vet exam fees are reimbursed, which, however, must be related to a covered condition.
- Elite Plan has all that the Plus plan has, but it also adds to that restorative therapies such as acupuncture, chiropractic care, and physical therapy.
- Congenital and hereditary condition coverage
- Behavioral condition coverage
- Drug coverage
- Unlimited enrollment with no upper age limit
- Veterinary helpline 24/7
- Possibility to make the payment directly to vet (in selected plans)
Besides that, Pets Best provides accident-only plans as well as wellness add-ons to aid users in the coverage of routine care such as vaccination, dental cleaning, and flea/tick prevention.
Cost of Pets Best Insurance in 2025
The price depends on various factors such as the breed, age, location of your pet, and the insurance coverage level you decide to get. Nevertheless, average monthly premiums in 2025 are roughly:
- Dogs: $30 to $46 per month
- Cats: $18 to $25 per month
These numbers are based on the most common plan: unlimited annual coverage, a $250 deductible, and an 80% reimbursement rate.
Accident-only policies, on the other hand, are much cheaper with fixed rates of:
- $9 per month for dogs
- $6 per month for cats
Depending on the chosen option, the wellness plans’ addition to the routine care will be an extra $14 to $26 per month.
Claims Process and Customer Experience
Along with that, typically, the claims’ handling times are stated to be approximately 5-7 days; however, some customers give it much shorter turnaround as a report.
Besides that, the direct vet payment option is also very much appreciated by the pet owners as it leads to a reduction in out-of-pocket costs during higher- stress-periods. That said, the veterinary office must pre-approve this option for it to be valid.
Concerning customer service, Pets Best gives users the opportunity to have a 24/7 veterinary helpline always ready to answer their pet’s health questions, which in such a non-emergency situation, can be very handy indeed.
Key Benefits of Pets Best
- No Upper Age Limit: Pets Best is the insurer that allows you to enroll your senior pets with no age restrictions, thus making it the only one among the insurers that offer accessibility at this level.
- Customizable Coverage: Pet owners can modify plans so that they are not only suitable for their pet’s needs but also affordable.
- Fast Claims Processing: The processing of claims is generally completed within 5 to 7 days, and the majority of the users claim that it is done even faster.
- Direct Vet Pay Option: This option is offered in specific plans and it is a feature that enables Pets Best to pay the vet directly without having to wait for reimbursement.
- 24/7 Pet Helpline: All policies give the access to the 24/7 veterinary helpline for any kind of pet health guidance.
Potential Drawbacks
- Pre-Existing Conditions Not Covered: Pets Best, like other insurances, does not include pre-existing diseases in the coverage of the policy.
- Waiting Periods: The waiting period for accidents is 3 days and 14 days for illnesses. If you are dealing with a cruciate ligament accident, the waiting period is 6 months unless you get a waiver.
- Routine Care Costs Extra: A wellness plan is not a mandatory part of the basic plan and needs to be purchased separately.
Customer Feedback and Reputation
Pets Best receives praise and good ratings in the aspects of affordability and coverage flexibility. The Better Business Bureau has given it a rating of A+, and it is going to be often recommended by veterinarians. Some users voice their dissatisfaction, though, as they feel that their claims were rejected because of pre-existing conditions or they did not get full information about the exclusions.
Is Pets Best the Right Choice?
Pets Best is perfect for pet parents that need extensive insurance coverage and at the same time, they want to be able to change deductibles and reimbursement rates. It is definitely the best choice for:
- Pets that are old and have been refused by other insurance companies.
- Those who want the claim issue to be resolved quickly.
- People who want to customize plans to match particular medical or financial needs.
If you are searching for base plans with holistic therapies as ultra-premium services or if your pet’s condition is complicated and has existed for a long time, it might not be the most appropriate option for you.
Conclusion
Pets Best is still at the top of the list of most reliable and economical sources for dog and cat insurance in 2025. The company has flexible plans, competitive prices, and a good service record that allows it to provide the kind of reassurance that pet owners need in the times of increasing veterinary prices. Dogs of any age and temperament and cats of any age can all be covered with Pets Best plans.
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