Pet Insurance Plans and Coverage Options (2024)

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Accidental injury coverage

Your dog or cat can be covered for broken bones, bite wounds, and other common injuries under this plan. It's a highly affordable, fixed-price pet insurance option for covering those unfortunate accidents. It doesn't cover treatment for illnesses.

• Cat pricing: $6 per month^*
• Dog pricing: $9 per month^†

Accidental injury and illness coverage

This is the most popular plan as it covers illnesses and injuries, no matter how serious. You get to select your deductible and how much you're reimbursed: 70%, 80%, or 90% of your pet's vet bills for covered illnesses and injuries. Choose this plan for comprehensive coverage including emergency care, diagnostic testing, specialist visits, and more. BestBenefit does not cover preventative or routine care. Premiums are dependent on your pet's age, breed, location, and reimbursem*nt level.

• Cat pricing: Averages $21 per month^**
• Dog pricing: Averages $36 per month^**

Routine care coverage

Unique to Pets Best, this optional add-on to your BestBenefit plan helps you pay for preventative care, including vet visits, vaccinations, teeth cleaning, and more. There are two levels of routine care coverage to choose from: BestWellness and EssentialWellness. For a fixed price, each plan can pay out up to a certain amount per year for the eligible types of routine care.

That depends on the purpose of the shot and which plan you have. Eligible vaccination shots and titers are covered by the optional EssentialWellness and BestWellness add-on plans. Treatment related to eligible injuries and accidents are covered by the BestBenefit plan, up to the limits of your customized coverage. Treatment related to eligible accidents would also be covered by the Accident Only plan.

Learn more about vaccinations and pet insurance.

Pet insurance can cover several surgical procedures depending on your plan. The Accident Only plan can cover surgeries related to eligible accidental injuries. If you have a BestBenefit plan, you can also get coverage for illness-related surgeries up to the limits of your plan. Covered illnesses that may require surgery include cataracts, hip dysplasia, hernias, cherry eye, aural hematoma, pyometra, collapsing trachea, intervertebral disc disease, entropion, epulis, mast cell tumors, twisted stomach, and rectal prolapse.

Learn more about how pet insurance covers surgery.

If your cat or dog needs to be euthanized for a humane reason, our pet insurance plans can cover the procedure up to the limits of your coverage. Since cremation is not a veterinary-related cost, pet insurance doesn't cover it.

Learn more about euthanasia and pet insurance.