Pets Best keeps landing on top of the big reviewer rankings for both dogs and cats in 2026. Plans are customizable, there is a 24/7 vet telehealth line, an optional wellness plan, and they can pay the vet directly, which keeps out-of-pocket pain down.
Pros
- Top pick for dogs and cats from major 2026 reviewers
- Can pay the vet directly
- 24/7 vet telehealth line
- Optional wellness plan add-on
The honest cons
- Wellness care costs extra on top of the base plan
- Coverage details vary by plan tier
Good fit for
Owners who want a well-reviewed all-rounder with direct vet payment and the option to add routine care, without giving up choice.
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Real bills from real dogs
We don’t sell insurance and we don’t take a word of your information. But we know what a surprise vet bill feels like. Max ate a chicken bone out of the trash: $4,800. Rocco swallowed a stone: $12,000 with the checkups. Velvet broke her front leg in her own backyard: $8,400. All three dogs lived to tell it, and we paid all three bills out of pocket.