Pets Best Insurance
$17–$70/month
Pets Best Review Summary
Founded in 2005 by veterinarian Dr. Jack Stephens (a pioneer of pet insurance), Pets Best brings deep industry expertise to their coverage design. Their alternative therapy coverage is the broadest we've found — acupuncture, chiropractic, hydrotherapy, and physical therapy are all included, which is particularly valuable for breeds prone to back, joint, and mobility issues. The minimum $50 annual deductible is unique in the market and means more claims get covered from day one. The main drawbacks: no exam fee coverage and no behavioral therapy. For Dachshund owners worried about intervertebral disc disease, or for any breed requiring physical rehabilitation, Pets Best deserves serious consideration.
Pros & Cons
✅ Pros
- ✓One of the lowest deductible options — as low as $50 annually
- ✓Covers cancer, hip dysplasia, and other hereditary conditions
- ✓Alternative therapies including acupuncture and chiropractic
- ✓Backed by Synchrony Health for financial stability
- ✓No age limit — covers older pets
⚠️ Cons
- ✗No exam fee coverage on standard plans
- ✗No behavioral therapy coverage
- ✗3-day waiting period for accidents (vs 2 days at Lemonade/Embrace)
- ✗Claims can take up to 30 days
Coverage Details
| Monthly Premium | $17–$70 |
| Annual Deductible | $50–$1,000 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $5,000, $10,000, Unlimited |
| Accident Waiting Period | 3 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✓ Covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✓ Covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ dental illness
- ✓ alternative therapies
- ✓ prescription medications
- ✓ physical therapy
What's Excluded
- ✗ pre-existing conditions
- ✗ exam fees
- ✗ behavioral therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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