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

1 Reddit posts

Most upvoted Newest

All pets 🐶 Dogs 🐱 Cats

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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!