Pets Best — Accident & Illness

Plan facts

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.