Pets Best

Budget-conscious owners with any age pet

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ComprehensiveAccident Only

Est. monthly (dog)

~$32/mo

Est. monthly (cat)

~$22/mo

Reimbursement

70%, 80%, 90%

Annual deductible

$50–$1,000

Annual max

Unlimited

Age range

7 weeks and up (no upper limit)

Illness wait

14 days (varies by state)

Accident wait

3 days (varies by state)

✗ No coverage for pre-existing conditions

Praised for

✓Deductible as low as $50 — one of the lowest available
✓No upper age limit; enrolls from 7 weeks
✓Two wellness tiers (EssentialWellness / BestWellness) available

Watch out for

✗No coverage for pre-existing conditions
✗Waiting periods vary by state

9 Reddit posts

Most upvoted Newest

All pets 🐶 Dogs 🐱 Cats

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r/Pets🐶Apr 20, 2026

Someone fraudulently signed me up for pet insurance for their dog "Simba"

I received a confirmation email from Pets Best for an insurance policy for a dog named Simba. The scammer provided them with my name, physical address, email, and phone number. I created an account on the Pets Best website to get more information, and I see that a credit card was provided that was not my own. I emailed customer support to ask them to cancel the plan. I also plan to file a report with the FTC. Meanwhile, my credit is already frozen with the three major credit bureaus, and I have identity monitoring through my bank. Is there anything else I need to do? Has this happened to anyone else? What was the outcome?

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r/Pets🐶Apr 30, 2026

pet insurance experience? probable chushings disease in 9 yo dog.

I’m don’t have Pets Best; but I’m not seeing any reason they wouldn’t pay. This is what it’s for. Submit the claim.

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r/Pets🐶Apr 20, 2026

Someone fraudulently signed me up for pet insurance for their dog "Simba"

The same exact thing just happened to me (just joined reddit to respond to your post), and it's very strange. Before calling, i tried the "forgot password" link to reset the password, but it kept saying "error". I confirmed Pets Best was an actual company. I called Pets Best - old info was provided and I checked everything to make sure nothing was charged. I already filed it with the FTC and filed a policy report, with previous precautions already put in place. The associate mentioned that they just got off a call where someone else experienced the same thing. I'm not sure how it's scamming if they provide actual contact information. They took my actual number and provided a reference number. The associate said they were going to forward to their fraud department. Beware out there.

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r/Pets🐱Apr 4, 2026

Dramatic Insurance Premium Increase?

I have an insurance policy for my 7 year old cat with Pets Best at the moment. Previously the premium was $42 a month, but I received a letter in the mail that it's going up to $77. They said it's not because of my cat, but rather that medical care costs more across the board now. Does this seem reasonable, or should I switch to another company? My cat doesn't have any current medical conditions other than a birth defect which is already considered a preexisting condition and I haven't had to take him into the vet for it. Thanks!

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r/DogAdvice🐶Apr 13, 2026

CCL Tear

Hi! Coming on here because since last Thursday I have not been able to stop thinking about this 😭 My 69 lb, 4 year old Lab has a suspected torn CCL in her back left leg. Right now we’re doing conservative management while I save up for TPLO. Her injury was from a traumatic event. I think I can manage the cost of surgery within the next few months (I already have some savings started), but I am absolutely terrified of the possibility of her needing a second TPLO on the other leg… I live in rural Tennessee and don’t make much money at all, so that would be really hard for me to handle financially. I have a few questions and would really appreciate hearing your experiences: • Has anyone had a dog get TPLO on one leg and never tear the other? I know the risk is high, but I’m hoping for some positive stories. • If your dog did end up tearing the other CCL and you couldn’t afford a second surgery, what did you do? How did your dog do long-term? • Has anyone gotten pet insurance after the first injury and had any luck getting coverage for the second leg? I recently got Pets Best for her (and my other big dog), but I’m not sure what to realistically expect. I am just feeling really overwhelmed and stressed trying to make the best decision for her while also being realistic about finances. Any advice, experiences, or even reassurance would mean so much right now 🤍 I feel like such a horrible, horrible owner and it is taking a large toll on my mental health.

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r/Pets🐶Apr 21, 2026

Someone fraudulently signed me up for pet insurance for their dog "Simba"

Hey, glad I came across this as I also received an email confirming an insurance policy for a non existent pet as far as I know. I don't own any pets. It does look like someone used my info. based off the application but I'm confused as to why they added my email when they should've added theirs so that they can receive the documents? All that to say, I'm a little skeptical about whether this is legit or scummy ploy by Pets Best to talk to them. As for now, I'm going to wait a few days before contacting Pets Best to report this.

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r/Pets🐶Apr 29, 2026

Someone fraudulently signed me up for pet insurance for their dog "Simba"

I dealt with this 2 weeks ago with Pets Best and someone had taken a full policy out for a pet I don't have. Thankfully I just called and it was painless to have them cancel it. This morning I woke up to FOUR different emails from different pet insurance companies with quotes I didn't request for a different pet I don't have!! The weirdest part is that the one policy that had been made didn't use my card? I froze my accounts and I've been monitoring since but my financials don't seem to be a part of it. It's still creepy that someone is using my name, email, and home address. I just finished my calls to the different companies to let them know this is happening, take me off all the lists, etc and I cited this reddit thread to alert them to an ongoing scam they should be aware of!!

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r/Pets🐶Apr 29, 2026

pet insurance experience? probable chushings disease in 9 yo dog.

update - just checked and 24 hours later my claims (both er and family vet visits) have been approved! hi everyone, looking for some experiences shared on both pet insurance and cushings disease. to start off, i have had pet insurance on my 8yo for 3 years now, this is not a pre-existing condition. yesterday morning my dog seemed a bit wobbly, which isn’t normal for him but i made a mental note to monitor. a few hours later while i’m at work, my roommate texts me concerned about him. later that night he is unable to walk on uneven surfaces, and keeps falling over. i decide to go to the er where we find out his cortisol levels were 7x what they should be, with the vet absolutely shocked. she said that he absolutely could’ve had a stroke last night if his symptoms worsened so it was good we came in. we ran essentially a full workup for $1600. he had an appointment for his vet (that i had made yesterday before symptoms worsened) this morning where they ran a few more tests to confirm cushings disease (still waiting on those results.) $1200 later and i’m now $2800 down and have what will likely be a journey ahead of us to navigate this. how likely is it that pet insurance pill pay this out? i have pets best if that helps, the top tier plan. i would pay anything to keep him okay, but i’m also a 21 year old paying for college and bills. i am quite stressed and would just love some general advice, thoughts, anything really.

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r/DogAdviceApr 21, 2026

CCL Tear

First — you are not a horrible owner. Not even close. You found the injury, you're doing conservative management, you're already saving for surgery, and you're losing sleep over making the right call. That's not what a bad owner looks like. I'm in the middle of this with my Sophie right now, so I'll share what I know. On your first question — yes, plenty of dogs get one TPLO and never tear the other. The 40-60% contralateral rupture risk within 24 months is real and worth knowing, but it also means a meaningful percentage of dogs don't. Strict activity restriction during recovery genuinely matters here — the more you protect the good leg from compensating, the better the odds. On the second question — conservative management is a real path, not a consolation prize. The research shows it produces better outcomes than most people expect, especially in younger, otherwise healthy dogs who achieve good weight management and follow a structured protocol. It's not as simple as rest and hope — it requires strict restriction, the right medications, and ideally some rehabilitation support — but it works for a lot of dogs. Sophie is on Gabapentin, Carprofen, and Dasuquin, with laser therapy weekly. She's doing better than that first week suggested she would. On pet insurance — I'd call Pets Best directly and ask specifically about the contralateral limb. Some policies treat it as a separate injury and cover it. Some don't. Get the answer in writing before you need it. You're asking the right questions. That matters more than you know.