14 Best Pet Insurance Plans Worth Buying Before Your Pet Gets Sick

3. Pets Best Insurance - Flexible Plans for Every Budget

Pets Best Insurance has earned recognition for offering some of the most flexible and affordable pet insurance options in the market, making quality coverage accessible to pet owners across various income levels. Founded by veterinarian Dr. Jack Stephens, who pioneered the pet insurance industry in North America, Pets Best brings decades of expertise to their policy design and customer service approach. Their BestBenefit plans offer unlimited annual coverage with reimbursement rates of 70%, 80%, or 90%, while their EssentialWellness plans focus specifically on routine and preventive care. The company's accident-only plans provide an economical option for pet owners primarily concerned with emergency situations, starting at remarkably low monthly premiums. Pets Best covers accidents, illnesses, prescription medications, diagnostic tests, surgeries, and even alternative therapies like acupuncture and chiropractic care. Their 24/7 pet helpline, staffed by licensed veterinary professionals, provides additional value by offering immediate guidance during pet health emergencies. The company's commitment to fast claim processing, typically within five days, combined with their direct payment option to veterinarians, helps reduce the financial burden on pet owners during stressful medical situations.