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Home / Pets / Pet Insurance / Pets Best
8.3 Tested Aug 22, 2026 by Team RankingRight

Pets Best (Accident & illness, three tiers) review 2026

Three coverage tiers, an unlimited option, a three-day accident wait and direct deposit — the flexible middle of the market

PriceFrom $38 · checked Sep 11, 2026
Labrador, age 238 $/mo
Cat, age 319 $/mo

Is the Pets Best Worth It?

Best value for older pets. Pets Best lets you build the policy you want at a fair price and will insure pets other companies turn away. Nothing about it is best in class, and nothing is bad.

Pets Best Pros & Cons

Pros
  • No upper age limit — one of the few that will still enrol a senior pet
  • Three-day accident waiting period, the shortest here
  • Unlimited annual payout available on the Elite tier
  • Curable pre-existing conditions can be re-covered after 12 clear months
Cons
  • Exam fees and dental need the Plus tier or higher
  • Six-month cruciate wait
  • Interface and claim tracking feel dated

Pets Best at a Glance

8.3 Editor Score
What is coveredAccidents, illness, hereditary and congenital conditions, dental disease, behavioural therapy, prescription food, exam fees — read from the policy, not the marketing page.
25/30
Limits & exclusionsAnnual or per-condition payout caps, age limits, waiting periods, how a pre-existing condition is defined and whether curable ones can be reinstated.
17/20
PriceMonthly premium for our four test pets at 80% reimbursement with a $500 deductible, and how much the premium rises with age.
17/20
Claims & payoutHow claims are filed, published processing times, direct payment to the vet, and complaint volume in state insurance filings.
16/20
Wellness & extrasOptional wellness plans, 24/7 vet lines, multi-pet discounts, deductible that shrinks in claim-free years.
8/10
Reader ratingNo reader ratings yet — not part of the score
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Own one? Rate it:

Rubric v1: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Pets Best — $38

Best priceVisit Site

Pets Best specifications

Our quote: 2-year-old Labrador38 USD/mo
Our quote: 3-year-old domestic cat19 USD/mo
Reimbursement options70–90%
Deductible options$50–$1,000
Unlimited annual payoutYes, on Elite tier
Waiting periods3 days accident, 14 days illness, 6 months cruciate
Exam fees coveredPlus and Elite tiers
Dental illnessPlus and Elite
Direct vet paymentAvailable at some vets
Wellness add-onYes, Routine Care
Upper age limitNone

Why it scored 8.3

Pets Best lets you build the policy you want at a fair price and will insure pets other companies turn away. Nothing about it is best in class, and nothing is bad.

Where it loses

Polish.

Still the right pick for

Older pets and owners who want to tune the cover.

Changelog: Sep 11 — rank 3 → 4 · all changes

Pets Best8.3 · $38
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