In a Nutshell
- Exam fees coverage
- Unlimited plan
- Flat rate accident plans under $10
- Some exclusions are vague
- Annual limits may apply
- Most claims paid within 5 days
- 24/7 claim pre-approval hotline
- Worldwide coverage
Who is Pets Best?
Pets Best was founded by a veterinarian who wanted to provide access to affordable health care for all pet parents. With accident coverage, wellness plans and a phone app, Pets Best excels at being there for its customers--the human, feline and canine ones. The company is make up of veterinary professionals and pet owners who understand the financial needs of animal medical costs.
What You Get When You Choose Pets Best
Pets Best offers several pet insurance plans to suit your budget and pet:
- The Best Benefit Accident and Illness: an unlimited plan that pays your actual veterinary bill for unexpected incidents like emergencies and illnesses.
- The Essential: a plan covering accident, illness, hereditary conditions, emergency visits, surgery and medication.
- The Plus: a plan that gives you the same basic cover as the Essential plan, but also covers vet exam fees and rehabilitation expenses. It also includes physical therapy, hydrotherapy and even cold laser therapy.
- The Elite plan is the same as the Plus plan, but it has a higher annual limit.
Wellness cover and full cover for congenital conditions are also available as upgrades to the listed plans.
Limits and Deductibles
If you purchase a Pets Best policy, it’s possible to have no deductible or 70-90% reimbursement--the plans are flexible. The deductible is annual, which means that even though your first claim of the year won’t be refunded 100%, any further claims during that year past the deductible amount will.
Annual limits do apply, depending on your level of coverage. The Essential and Plus plans have an annual limit of $5000, which you may hit easily if your pet needs surgery or other large medical intervention. The Elite plan has an annual limit of $10, 000 or, upon request, $20,00.
You can also utilize the unlimited plan, allowing you flexibility of treatment that may be best for your pet.
Value for Money
The cost of a Pets Best plan will vary depending on location, deductible, reimbursement level and the age of your pet. You can get accident only cover with a $200 deductible and 80% reimbursement for $9 a month, which is quite cheap.
You’ll get 5% off your premium if you insure more than one pet.
Pets Best will not insure pets younger than 7 weeks old. However, they do not have any upper age restrictions. This makes Pets Best ideal if you’re thinking of buying pet insurance for your older pet for the first time.
The Fine Print: What Isn’t Covered By Pets Best
Pets Best does not cover pre-existing conditions and non-veterinary expenses, including special diets. Pets Best also doesn’t cover preventable conditions, meaning in which a vet advised you to take precautions. Thankfully, Pets Best does have a pre-approval hotline for claims over $500. This is extremely helpful, as it allows you to quickly check whether something is covered before taking a decision on your pet’s care.
Pets Best offers a reasonable level of cover, but the annual limits on most plans don’t make it the best option out there. However, the claims pre-approval service is very helpful should you need to make an emergency decision about your pet’s care.
Pet insurance offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (APIC) or Independence American Insurance Company (IAIC).