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Pet Insurance

Taking your dog or cat to the vet shouldn’t be stressful for you and your furry friends. The Guardian Direct® alliance with Pets Best helps make protecting your pet's health affordable.

Save 5% on premiums with Pets Best



Now, through Guardian's alliance with Pets Best, you can save 5% on premiums to look after your four-legged family members. Whether it’s your dog or cat’s injury care, sick visits, hereditary condition treatments or routine care appointments -- your pets can now be protected for less.


Why choose Pets Best?

Founded by a veterinarian, Pets Best knows what Pet Parents need in pet insurance to protect their pet family. Enjoy plan choice, quick claims processing, and excellent service with Pets Best.



Plan Choice

Variety of plan options and coverage levels, including accident plans or accident+illness, with an option to add routine care.

Quick Claims Process

Easy online claims filing, with most claims processed in 5 days or less.


Excellent Service

Service options to support the needs of Pet Parents, including an online customer portal and unlimited access to a 24/7 Pet Helpline.

Frequently Asked Questions

Questions about Pets Best pet insurance? We've got answers.

People who would rather save for a rainy-day fund may not feel comfortable purchasing insurance. We respect that. We also know that many pet owners end up with large medical bills before they've been able to save enough money to cover them. As more and more people consider pets part of their families, pet insurance especially helps those who would do whatever it takes to keep their pets healthy and happy.
You may enroll your dog or cat as early as 7 weeks of age. Like children, young dogs and cats have the highest risk of accidents. And because their immune systems aren't mature, they're more susceptible to infectious diseases. Pets Best plans have no upper age limits, so senior dogs and cats get the same great coverage as kittens and puppies.
Pets Best has no upper age limits, so you can insure your dog or cat at any age over 7 weeks. As your pet ages, more medical problems may develop and the need for pet health insurance will likely increase. Chronic disorders and medical problems that wouldn't be dangerous when young can be easily life threatening as your pet grows older.
Yes. When your pet is insured with Pets Best, you can use any licensed veterinarian in the US. We have no network, no schedule of benefits and no pre-authorization procedures. We want your pet to receive the best care possible, which is why we also cover visits to specialists and emergency after-hours clinics.
A waiting period refers to the amount of time after enrolling before coverage is provided. Pets Best offers some of the shortest waiting periods in the industry: just 3 days following the policy effective date for accidents, and 14 days for illnesses. Routine care plans can be used the day after you enroll. Once met, waiting periods are waived for continuous, uninterrupted policy renewals.


The Guardian Life Insurance Company does not own or operate Pets Best. These products are provided through a third party arrangement between Guardian and Pets Best.

Pets Best underwrites, issues and administers its own products through its underwriters, American Pet Insurance Company and Independence Insurance Company.

Guardian assumes no responsibility for non-Guardian products or services offered by Pets Best.


Information on the approved state and product specific online enrollment form numbers can be viewed here: Online Enrollment Form Numbers



How to protect your dog with pet insurance

Insuring your dog with pet insurance is an easy process that can help you save on the costs of keeping your pup healthy.

What does pet insurance cover?

Pet insurance can cover veterinary charges and expenses like medication, special foods, vitamins, and medical devices.