Pets Best review

Pets Best is the pick for owners who mainly want protection against accidents at the lowest fixed price. Its accident-only plans cost $9 a month for dogs and $6 a month for cats, or $10 and $7 in Washington, and cover injuries such as broken bones, swallowed objects, bite wounds and poisoning. Owners who want fuller cover can buy an accident and illness plan and choose the deductible, reimbursement rate and annual limit; Pets Best's own sales data put typical dog premiums at $36 to $58 a month and cats at $22 to $34. All plans include Direct Vet Pay, which lets Pets Best pay a participating vet directly, and a 24/7 pet helpline at no extra cost. There are no upper age limits, and you can visit any licensed vet in the US or Canada. Wellness add-ons cover routine exams, vaccines and dental cleanings. The cost averages are dated, so get a quote for current rates.

Who it is for

owners who want a cheap accident-only plan

Price

Accident-only plans from $9 a month for dogs and $6 for cats.

Fixed rate Accident Only plans are available for $9/month
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Accident and illness plans with a choice of deductible, reimbursement rate and annual limit
• Fixed-rate accident-only plans from $9 a month for dogs and $6 for cats
• Direct Vet Pay available with all plans
• 24/7 Pet Helpline included at no extra cost
• Optional wellness add-ons for exams, vaccines, dental cleanings and spay or neuter

Strengths and weaknesses

• Strength: No upper age limits for coverage
• Strength: Use any licensed vet in the US or Canada
• Strength: Pets Best reports more than 1 million pets enrolled and $1.3 billion in covered claims
• Weakness: Accident-only plans do not cover illnesses
• Weakness: Published accident and illness averages of $36 to $58 a month for dogs come from 2022 to 2023 sales data
• Weakness: Accident-only plans cost more in Washington state

Key facts

• Starting price: $9/mo dogs, $6/mo cats (accident-only)
• Age limit: None
• Direct vet pay: Yes, all plans
• Helpline: 24/7, included

Where it ranks

Pets Best is No. 6 in our Best Pet Insurance verdict.