Pet Health Insurance Coverage for Dogs and Cats

Examples include broken bones, poisoning, car accident, lacerations, foreign object ingestion which results in surgery.

This also includes accidents that happen while hunting or in the line of service.

Examples of Illness coverage include cancer, diabetes, arthritis, allergies, cruciate ligament injuries, skin and ear infections, urinary tract infections, and epilepsy.

Including coverage for blood work, MRIs, surgery, medication, and chemotherapy.

Examples include hip and elbow dysplasia, luxating patella, cherry eye, IVDD, Wobbler Syndrome, glaucoma and epilepsy.

Our emergency care coverage lets you & your pet see any licensed veterinarian, including emergency centers and specialists. Coverage for surgeries includes operations to remove foreign bodies like swallowed socks, surgeries for mass removals, and more.

Our plans also cover pre-anesthesia tests. Veterinarians typically require pre-anesthetic blood work to be performed before a pet’s surgery. 

Most plans provide coverage for prescription medications. Download our formulary here: covered medications.

When your pet insurance policy renews, we don’t consider previously covered conditions to be pre-existing. This means your pet will still be covered up to your plan’s maximum benefit, even if treatment spans many months or years.

Examples: exams, bloodwork, MRIs, CAT scans, pathology reports and X-rays.

We have no upper age limits for pets and we don’t reduce or cancel coverage based on your pet’s age.

Prostate problems, hormonal skin conditions, perianal tumors, mammary tumors, uterine and ovarian conditions, as well as injury due to motor vehicle or aggressive behavior whether or not your pet is spayed or neutered

We cover behavioral consults with, and/or medication prescribed by, a licensed veterinarian.

Proper dental care is vitally important to the overall health of your pet. BestBenefit plans include coverage for periodontal disease if your pet has met the following conditions:

• Your pet must be free from all dental disease at the time of sign up
• Any pre-existing periodontal disease will not be eligible for coverage under our policy
• For pets age 0 to age 2, there is no teeth cleaning requirement in order to have periodontal coverage
• For pets aged 3+, Pets Best will verify with your vet that a teeth cleaning was completed in the previous 13 months under general anesthesia
• As long as that teeth cleaning comes through with no signs or symptoms of periodontal disease, your pet will have coverage if this develops

When prescribed or provided by a licensed veterinarian to treat a covered accident or illness.

Our plans cover euthanasia for humane reasons.

Your pet can be treated by any licensed veterinarian anywhere in the US, Canada, or Puerto Rico.

Most plans include coverage for exam fees when your pet is seen by a licensed veterinarian for covered accidents and illnesses.

Most plans include coverage for acupuncture and chiropractic treatments administered by a licensed veterinarian.

Examples: hydrotherapy, cold laser and physical therapy.

Most of our plans cover a wide range of prescription medications. Download our list of covered medications.

Any illness or injury that begins before your policy is effective, or during your waiting period, will be considered “pre-existing”. Some conditions, like broken legs or kennel cough, heal or are curable and require no further treatment. Once healed or cured, these are not considered pre-existing conditions. Learn more about your pet coverage options for pre-existing conditions.

Our BestBenefit plans do not cover preventative care or elective care. Examples of elective and preventative procedures include: anal gland expression and removal, tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal. Limited coverage for vaccines and preventive care is available with our optional BestWellness plan.

Testing, treatment and prevention of parasites are not included. Limited coverage for parasite testing and prevention is available with our optional BestWellness™ plan. Examples of parasites: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies.

Examples of non-veterinary expenses include: taxes, administration fees, waste disposal fees, transportation fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian.

Herbal, holistic, and experimental therapies and medications are not covered. However, chiropractic care, acupuncture, cold laser therapy, physical therapy and hydrotherapy are not considered to be holistic or experimental and are covered.