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Fact	No photo yet Pets Best — Accident & Illness Remove
Brand	Pets Best
Type	Insurance
For	Cat, Dog
Coverage	Accident and illness
What's covered	Eligible diagnostics, surgery, hospitalization, emergency care, cancer treatment, rehabilitation, and specialist care can be covered.
Exclusions	Pre-existing conditions, elective procedures, parasites, non-veterinary expenses, herbal/holistic therapies
Reimbursement	70% / 80% / 90% of eligible veterinary expenses.
How reimbursement is worked out	Eligible expenses are multiplied by the selected reimbursement percentage, then the remaining annual deductible is subtracted.
Deductible	$100 to $1,000 annual deductible.
How the deductible works	Annual deductible; met once during the policy term.
Annual limit	$5,000 to unlimited annual benefit.
Payout limit	Selected annual benefit maximum, with an unlimited annual option available.
Waiting period: accidents	Varies by state and coverage type; the exact period appears in the quote and policy declarations.
Waiting period: illnesses	Varies by state and coverage type; the exact period appears in the quote and policy declarations.
Waiting period waiver	Continuous renewals do not restart waiting periods; where offered, a qualifying exam may shorten or waive an applicable period.
Pre-existing conditions	Conditions beginning before the policy or during the waiting period are pre-existing; some healed conditions (e.g., broken legs, kennel cough) are not treated as pre-existing
Hereditary and congenital conditions	Hereditary and congenital conditions can be covered when eligible and not pre-existing.
Dental	Eligible dental illnesses and injuries can be covered, subject to policy terms.
Exam fees	Veterinary exam fees are covered by some accident-and-illness plan options; confirm the selected plan.
Prescriptions	Prescription medications are covered under most accident-and-illness plan options.
Preventive care	Optional routine-care plans are available for eligible preventive services.
Enrollment age	No upper age limits; coverage not reduced or cancelled based on age
Medical exam to enroll	No exam is required to enroll; a qualifying examination may be needed only when requesting an available waiting-period waiver.
Which vets	Use any licensed veterinarian in the United States, Canada, or Puerto Rico.
Paying the vet	Optional Vet Direct Pay may reimburse a participating veterinarian when the required form is approved.
Claims	Submit an itemized invoice and proof of payment through the online account or app.
Renewal	The policy renews annually; continuous coverage does not newly exclude conditions that were already covered.
Where it's offered	Plan availability, benefits, and waiting periods are state-specific; confirm the current quote and policy declarations.
Checked against the source	July 23, 2026

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