Several companies and groups offer Pets Best insurance discounts, and most are worth 5% off an accident-and-illness plan. You can qualify through military service, being a Farmers Insurance, Progressive, or CareCredit customer, working as a veterinarian, or belonging to a Pets Best partner group such as Union Plus or an employer that offers benefits through Businessolver or PetDesk. Pets Best also gives a 5% multi-pet discount for insuring more than one pet. Availability varies by state, and discounts are usually applied automatically at quote or through partner enrollment, not with a typed code. There is no free government pet insurance, so be wary of that claim.
Companies That Offer Pets Best Insurance Discounts: Key Facts at a Glance
| Discount source | Typical savings | Notes |
|---|---|---|
| Multiple pets | 5% | For enrolling more than one pet |
| Military and families | 5% | Available in most states |
| Farmers Insurance customers | 5% | Not in AK, CA, FL, HI, TN |
| Progressive customers | 5% | Not in AK, CA, FL, HI, TN |
| CareCredit cardholders | 5% | Not in AK, CA, FL, HI, TN |
| Veterinarians | 5% | With proof of profession |
| Partner groups (Union Plus, etc.) | 5% | First term; via Businessolver or PetDesk employers |
What Discounts Does Pets Best Offer?
Yes, Pets Best offers several discounts, and this is the direct answer to who can get you one. Almost all of them are worth 5% off an accident-and-illness plan, and the key is qualifying through the right company, group, or situation. Here are the companies and groups that offer Pets Best insurance discounts, based on Pets Best’s published terms.
- Multi-pet discount. Insure more than one pet and get 5% off, available in most states.
- Military discount. Military members and their families get 5% in most states.
- Farmers Insurance customers. If you hold any Farmers policy, you get 5% on your Pets Best accident-and-illness plan, in all states except Alaska, California, Florida, Hawaii, and Tennessee.
- Progressive customers. Buying through Progressive earns a 5% discount, with the same five state exceptions.
- CareCredit cardholders. Holding a CareCredit card gets you 5%, again outside those five states.
- Veterinarians. Vets and some veterinary staff can get 5% with proof of profession.
- Partner groups and employers. If your employer or a group you belong to is a Pets Best partner, you save 5% on the first term. Affiliated groups include Union Plus, plus employers who offer benefits through Businessolver and PetDesk.
The practical point: your everyday relationships, your car insurer, your credit card, your union, or your job, may already qualify you for a Pets Best discount you did not know about. So before you enroll, run through that list. Do you hold a Farmers or Progressive policy? Do you have a CareCredit card, work in a veterinary clinic, or belong to a union or an employer that offers benefits through Businessolver or PetDesk? Any one of those is a 5% saving, and stacking a couple, such as a multi-pet plus an employer discount, adds up over the life of the policy. The discounts are modest individually, but they cost you nothing to claim beyond a moment of checking.
How to Get a Pets Best Discount (and Is There a Discount Code?)
Here is how these discounts actually work, because it is not quite what people expect. Most Pets Best discounts are not a promo code you type at checkout. Instead, they are applied based on your eligibility, either automatically when you get a quote, or through the partner or group you enroll with. So if you are searching for a “Pets Best discount code,” the real move is to qualify through one of the partners above rather than hunt for a coupon.
To claim one, the cleanest path is to start your quote through the qualifying channel. For an employer or group benefit, enroll through your benefits portal, such as one powered by Businessolver or PetDesk. For a Farmers, Progressive, or CareCredit discount, mention that relationship when you quote. And whatever your situation, ask directly, because staff can add a discount you qualify for that did not apply automatically. For account access, billing, or to confirm a current offer, use the official Pets Best website to log in or find the customer service number, rather than a third-party page, since contact details and promotions change.
Other Companies and Groups That Discount Pet Insurance
Pets Best is not the only way to save, and if you are comparing, it helps to know the bigger picture, since some of the largest discounts come through other insurers and memberships. These are separate from Pets Best.
- Costco. Costco partners with Figo, not Pets Best. Gold Star and Business members get 15% off, and Executive members also get the first month and the enrollment fee waived.
- USAA. USAA offers pet insurance through Embrace, with up to 15% for buying through USAA and an extra 10% for military members, service dogs, or multiple pets, up to a maximum of 25%. You must be a military member, veteran, or immediate family.
- AARP. AARP members get up to 10% off through Fetch.
- AAA. AAA members get 5% off Embrace.
- Unions. Union Plus (Union Privilege) members can save through its pet insurance benefit, and the National Education Association offers 5% through Pets Best.
- MetLife. Often cited as having the most discount types, including military, first responders, healthcare workers, and federal employees.
The lesson: before you buy from anyone, check whether a group you already belong to has negotiated a discount, because member savings like Costco’s 15% often beat a standard multi-pet discount.
Types of Pet Insurance Discounts You Can Stack
Beyond specific brands, it helps to know the common discount types, because you can often combine more than one. Insurers offer well over a dozen discount types, and stacking a few is where real savings come from.
The most common are the multi-pet discount (usually 5% to 10%), the military or veteran discount (5% to as much as 25% through USAA), and the multi-policy or bundling discount for holding other policies like auto or home with the same insurer. Others include an annual-pay discount for paying your premium in full, employer or group benefits, affinity discounts through associations, and discounts for first responders, healthcare workers, federal employees, and veterinary staff. Stacking rules vary, and some insurers cap total savings around 15% to 20%, so ask each provider which discounts you can combine. Also look for a disappearing or diminishing deductible, which is not a discount but lowers your deductible for each claim-free year.
Is There Free Government Pet Insurance?
This one comes up a lot, so let me be clear and save you a fruitless search: there is no free government pet insurance. No federal or state program provides free insurance for pets, and any site promising it should be treated with caution.
What does exist is help for owners who cannot afford care. Nonprofits and charitable funds assist with emergency vet bills, some veterinary schools offer lower-cost care, and low-income assistance programs can help in specific situations. That is different from an insurance policy, but it is the real version of what people are hoping for. If affordability is your concern, we cover these routes in our guide to low-cost and free pet insurance options for low-income households.
How to Get the Best Deal on Pet Insurance
If your goal is simply the best deal, discounts are only part of it, and a few habits consistently lower the total. Here is the playbook.
First, enroll early, while your pet is young and healthy, which secures the lowest premium and avoids pre-existing exclusions later. Second, get matched quotes from at least three insurers using the same deductible, reimbursement rate, and annual limit, so you compare like for like. Third, stack every discount you qualify for, and ask an agent about ones that did not apply automatically. Fourth, tune the three cost levers: a higher deductible, a slightly lower reimbursement rate, or a lower annual limit each reduce the premium, though do not cut coverage so far that a big claim leaves you exposed. Finally, consider paying annually and check group or employer benefits before buying retail.
What Is a Good Monthly Price for Pet Insurance?
A good benchmark comes from industry averages. According to NAPHIA data, the average accident-and-illness premium is about $62 a month for dogs and $32 a month for cats, with accident-only plans much cheaper. So for comprehensive coverage, a “good” price often lands in the $30 to $70 range depending on the pet.
Cats are generally the cheapest to insure, which is why “cheap pet insurance for cats” is a common search, and budget-friendly insurers like Pets Best post some of the lowest sample rates. But price alone is misleading. A cheap plan with a low reimbursement rate and low annual limit can cost you far more at claim time, so weigh the premium against the coverage, then apply discounts to a plan that actually protects your pet.
Is Pets Best Worth It? And What About Trupanion or the Most Expensive Plans?
On value, the honest answer is that it depends on your pet and budget, and no single company is best for everyone. Pets Best tends to post among the lowest sample rates and offers customizable coverage and a solid list of discounts, so it is often a strong pick for budget-focused owners. Trupanion, by contrast, offers no standard discounts but has features some owners value, like a per-condition lifetime deductible and paying some vets directly, so it can suit owners of pets with a costly chronic condition despite a higher price.
As for the most expensive pet insurance, there is no fixed answer, since it depends on your pet’s age, breed, and the coverage levels you pick; premium, comprehensive plans on an older or high-risk breed sit at the top. Rather than chase “cheapest” or avoid “most expensive,” compare matched quotes, apply your discounts, and judge each plan on coverage per dollar. For what to prioritize in the coverage itself, see our guide on what vets recommend for pet insurance.
The Bottom Line
After years working with out-of-pocket costs, here is the useful way to approach Pets Best discounts. The savings are real but modest, mostly 5% each, so the bigger wins come from stacking a couple of them and from enrolling early at a low base premium. Check the relationships you already have first, your car insurer, credit card, union, or employer, because one of them may quietly qualify you.
Two honest cautions. First, do not let a discount talk you into a weak plan; a 5% saving on inadequate coverage is a false economy. Second, ignore “free government pet insurance” claims, and be careful with third-party sites promising secret codes, since the legitimate discounts come through the partners and eligibility above. Get matched quotes, apply every discount you qualify for, and buy the coverage that actually protects your pet.
Conclusion
The companies that offer Pets Best insurance discounts include the military, Farmers Insurance, Progressive, CareCredit, veterinary employers, and partner groups like Union Plus and employers using Businessolver or PetDesk, plus a 5% multi-pet discount, most worth 5% on an accident-and-illness plan and subject to state rules. Bigger savings can come through other channels, like Costco’s 15% via Figo or USAA’s up to 25% via Embrace. There is no free government pet insurance. Enroll early, get matched quotes, stack the discounts you qualify for, and choose coverage that protects your pet, not just the lowest sticker price.
FAQs
What companies offer Pets Best insurance discounts?
Pets Best offers 5% discounts through the military, Farmers Insurance, Progressive, and CareCredit customers, veterinarians, and partner groups such as Union Plus and employers using Businessolver or PetDesk. There is also a 5% multi-pet discount. Availability varies by state, with several discounts unavailable in Alaska, California, Florida, Hawaii, and Tennessee.
Does Pets Best offer any discounts?
Yes. Pets Best offers a multi-pet discount, a military discount, and 5% discounts for Farmers Insurance, Progressive, and CareCredit customers, veterinarians, and members of partner groups and employers. Most are 5% off an accident-and-illness plan. Check which apply in your state when you get a quote.
Is there a Pets Best discount code?
Most Pets Best discounts are not a typed promo code. They are applied based on your eligibility, either automatically at quote or through the partner or group you enroll with, such as an employer benefits portal. So rather than searching for a code, qualify through one of the partners and confirm the discount applied on your quote.
Does Pets Best offer a military discount?
Yes. Pets Best offers a 5% discount to military members and their families in most states. You may need to provide proof of service. If you are a USAA member, note that USAA’s own pet insurance runs through Embrace and can reach up to 25%, so it is worth comparing both.
Does Costco offer pet insurance discounts?
Yes, but through Figo, not Pets Best. Costco Gold Star and Business members get 15% off Figo pet insurance, and Executive members also get the first month and the enrollment fee waived. It is one of the larger membership discounts available, so Costco members should compare it against a discounted Pets Best quote.
Does USAA offer pet insurance discounts?
Yes. USAA offers pet insurance through Embrace, with up to 15% for enrolling through USAA and an extra 10% for military members, service dogs, or multiple pets, up to a maximum of 25%. You must be a military member, veteran, or immediate family member to qualify.
Does Union Plus offer a Pets Best discount?
Union Plus, the AFL-CIO’s Union Privilege benefits program, is listed among Pets Best’s partner groups, so eligible union members can access a discount through it. Amounts and terms can change, so confirm the current offer through your Union Plus benefits and Pets Best. Union membership is a commonly overlooked source of pet insurance savings.
Is there free government pet insurance?
No. There is no federal or state program that provides free pet insurance, and claims otherwise should be treated with caution. What exists instead is assistance for owners who cannot afford care, such as nonprofit funds, charitable programs, and lower-cost veterinary school clinics. See our guide to low-cost and assistance options if affordability is your concern.
How do I get the best deal on pet insurance?
Enroll early while your pet is young and healthy, get matched quotes from at least three insurers with the same deductible and limits, and stack every discount you qualify for. Adjusting your deductible, reimbursement rate, and annual limit also changes the price. Paying annually and checking employer or group benefits can add further savings.
Who offers the best and cheapest pet insurance?
There is no single best, since it depends on your pet and needs, but budget-focused insurers like Pets Best and Liberty Mutual post among the lowest sample rates in recent analyses. Cats are generally cheapest to insure. Compare matched quotes from a few insurers, apply discounts, and judge coverage per dollar rather than sticker price alone.
What is a good monthly price for pet insurance?
Industry averages are about $62 a month for dogs and $32 for cats on accident-and-illness plans, so a good comprehensive price often falls in the $30 to $70 range. Your pet’s age, breed, and location and your chosen coverage levels move the number. Applying discounts to a solid plan is the goal, not just the lowest price.
Can you stack pet insurance discounts?
Often yes. You can commonly combine discounts like multi-pet, military, and multi-policy, though rules vary by insurer and some cap total savings around 15% to 20%. Ask each provider which discounts stack for your situation. Stacking a couple of discounts, plus enrolling early at a low base premium, is where the real savings come from.
Is Pets Best pet insurance worth it?
For budget-focused owners, it often is. Pets Best posts among the lowest sample rates, offers customizable accident-and-illness coverage, and has one of the broader discount lists. Whether it is right for you depends on your pet’s needs and the coverage levels you choose, so compare a discounted Pets Best quote against a couple of competitors.
Is Trupanion worth the cost?
It can be for the right owner. Trupanion offers no standard discounts and often costs more, but it has a per-condition lifetime deductible and pays some vets directly, which can benefit owners of pets with a costly chronic condition. If you want low price and discounts, other insurers fit better; if those features matter, it may justify the cost.
What is the most expensive pet insurance?
There is no fixed answer, because price depends on your pet’s age and breed and the coverage levels you select. Premium, comprehensive plans for older pets or high-risk breeds sit at the top, and insurers without discounts can end up pricier. Rather than avoid the “most expensive,” compare matched quotes and judge coverage per dollar.
About the Author
Md Shahinuzzaman is an insurance and out-of-pocket healthcare cost specialist with 16 years of banking and insurance experience. He writes plain-English guides that trace every figure to a named source and never inflate a number to make a point. On pet insurance, his focus is helping owners stack the discounts they actually qualify for without overpaying for weak coverage.
Reviewed July 2026 ·
Sources
GEBA / MetLife — Pet insurance discounts for federal employees and military: https://www.geba.com/pet-insurance/
U.S. News — Pets Best Pet Insurance Review 2026 (verified discount list and partners): https://www.usnews.com/insurance/pet-insurance/pets-best
U.S. News — Cheapest Pet Insurance Companies of 2026 (Pets Best rates, Embrace/USAA): https://www.usnews.com/insurance/pet-insurance/best-cheap-pet-insurance
Yahoo Finance — Best Pet Insurance Discounts 2026 (Costco/Figo, Liberty Mutual, USAA, Chewy): https://finance.yahoo.com/personal-finance/insurance/article/best-pet-insurance-discounts-220802394.html
MoneyGeek — Pet Insurance Discounts 2026 (discount types, stacking): https://www.moneygeek.com/insurance/pet/discounts/
Pawlicy Advisor — How to Get Pet Insurance Discounts (Costco, unions, AARP, AAA, NEA): https://www.pawlicy.com/blog/pet-insurance-discounts/
USAA — Pet Insurance (up to 25% via Embrace): https://www.usaa.com/insurance/additional/pet/
Union Plus — Pet Health Insurance benefit: https://www.unionplus.org/benefits/insurance/pet-health-insurance
NAPHIA / Progressive — Average pet insurance premiums: https://www.progressive.com/answers/pet-insurance-101/
Pets Best — Official website (discounts, login, contact): https://www.petsbest.com/
