Pets Best review

Pets Best is the cheapest way onto this list. Its cost page lists fixed-rate accident-only plans at $6 a month for cats and $9 a month for dogs ($7 and $10 in Washington state). Those plans pay for broken bones, swallowed objects, poisoning and other injuries, but not illness. For full cover, Pets Best publishes typical accident and illness prices of $36 to $58 a month for dogs and $22 to $34 for cats, based on its own sales data, and you choose the deductible, a reimbursement rate of up to 90% and the annual limit. Direct Vet Pay is available on every plan, so Pets Best can pay your vet directly instead of reimbursing you. All customers get a 24/7 pet helpline, and claims can be filed through the app. Optional wellness add-ons cover exams, vaccines, dental cleaning and spay or neuter. Pets Best says it has more than 1 million pets enrolled. Pre-existing conditions are excluded.

Who it is for

Owners who want the cheapest possible cover through an accident-only plan, or who want the insurer to pay the vet directly.

Price

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

Accident Only plans are available for $6/month
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Accident and illness plans with a choice of deductible, reimbursement up to 90% and annual limit
• Fixed-rate accident-only plans
• Direct Vet Pay on all plans
• Optional wellness add-ons for exams, vaccines, dental cleaning and spay or neuter
• 24/7 pet helpline at no extra cost

Strengths and weaknesses

• Strength: Lowest published price on this list, $6 a month for cat accident-only cover
• Strength: Direct Vet Pay sends reimbursement to the vet for you
• Strength: Any licensed vet in the US or Canada
• Weakness: Accident-only plans do not cover illness
• Weakness: Pre-existing conditions are not covered
• Weakness: Waiting periods vary by state and coverage

Key facts

• Accident-only price: Cats $6, dogs $9 a month
• Typical dog accident and illness cost: $36 to $58 a month
• Typical cat accident and illness cost: $22 to $34 a month
• Reimbursement: Up to 90%
• Pets enrolled: 1 million+

Where it ranks

Pets Best is No. 4 in our Best Pet Insurance verdict.