Pets Best Insurance offers pet health insurance plans for both cats and dogs, with premium costs starting at just $6 per month for accident-only coverage. There’s no annual benefit limit and most policies have a small deductible.
What we like:
No maximum age limit
|Monthly Premium||As low as $6 per month for accident-only coverage for cats and $9 per month for accident-only coverage for dogs|
|Deductible||$50 to $1,000|
|Benefit Limits||Some policies offer unlimited annual coverage|
|Age Restrictions||Minimum 7 weeks, no maximum age limit|
Being a pet owner brings a joy and companionship to your life, but there are many responsibilities involved in having a cat or a dog – including caring for your pet’s health. The cost of veterinary care can range from a few hundred dollars to several thousand dollars annually including routine exams as well as surprise emergency pet care in case of accident or illnesses.
Pet insurance companies help offset the costs of vet bills, up to certain limits. The right policy can reimburse you for the majority of pet healthcare expenses, allowing you to keep your pet healthy without breaking the bank.
Pets Best is one pet health insurance provider that offers coverage for both cats and dogs. Coverage options available through Pets Best pet insurance plans are comprehensive compared to other pet insurance companies, and coverage is available throughout the United States. This Pets Best insurance review highlights benefits and downsides, cost, and coverage options available if you choose a Pets Best insurance plan.
In this review:
- Benefits of Pets Best Insurance
- Downsides of Pets Best Insurance
- What Does Pets Best Pet Insurance Cover?
- How Much Does Pets Best Insurance Cost?
- Where Is Pets Best Insurance Available?
- Pets Best Customer Service
Pets Best Insurance Review
Since 2005, Pets Best has been providing pet owners and their furry friends coverage for both routine wellness care and emergency care. Headquartered in Idaho, the company focuses on helping pet owners financially prepare in case of a health emergency. As of 2018, Pets Best insurance has paid out more than $200 million in claims to pet owners, and it covers more than 100,000 pets throughout the country.
Benefits of Pets Best Insurance
Pets Best insurance offers many benefits to pet owners, including flexible plan design, fast turnaround times on claim payments, and a 24/7 Pet Helpline. Policies can be customized to cater to each pet owner’s needs, with some plans offering unlimited annual benefits, routine care coverage, options for covering exam fees, and the ability to select a deductible. There is also no maximum age limit for getting pet insurance coverage from Pets Best, making it a good choice for pet owners with older dogs or cats.
Pets Best insurance also promises to pay out approved claims for vet bills in five days or less, and pet owners have the option to pay the vet directly or through direct deposit.
Finally, the insurance company also offers free access to a 24/7 Pet Helpline. This perk allows you to get answers to pet health questions at any time of the day or night from veterinary experts at whiskerDocs.
Downsides of Pets Best Insurance
Although Pets Best insurance has many benefits for pet owners, some downsides also exist.
First, insurance plans from Pets Best do not cover dogs or cats with pre-existing conditions. If your pet has already experienced a health issue, you won’t be able to get pet insurance to cover that specific problem. Also, Pets Best insurance plan premiums increase over time as a pet ages, even though there is no age limit for getting covered.
Additionally, Pets Best does not have the best customer reviews. Reviews include complaints about the insurer not paying claims for veterinary visits the customer believes should have been covered or delaying payment of an approved claim. Customers do have the option to appeal a claims decision, but that does not always result in the claim getting paid.
What Does Pets Best Pet Insurance Cover?
Pets Best pet insurance has many plan options available, all of which cover different health issues. Available plans include the following:
- Essential Plan: This plan covers accidents, illnesses, cancer, hereditary conditions, emergency care, surgeries, and prescription medications. There is no annual limit on coverage but exam fees, rehabilitative care, and alternative therapies are not covered.
- Plus Plan: This covers everything in the Essential Plan, plus accident and illness exam fees. Rehabilitative, acupuncture, and chiropractic care are not included, but pet owners still have unlimited annual coverage.
- Elite Plan: This plan covers everything in the Plus plan as well as rehabilitative and alternative care. Annual coverage is unlimited with this plan too.
Pet owners may also opt for an accident-only policy that does not cover routine care or vet visits in case of illnesses. And Pets Best pet insurance also offers a wellness plan as an add-on. The wellness plan covers routine veterinary care including vaccinations, wellness exams, heartworm tests, deworming, and microchipping, up to specified limits for each category of care.
Each of the pet insurance policies offered by Pets Best are available for dogs or cats who are at least seven weeks old. No pre-existing conditions are covered under any policy.
How Much Does Pets Best Insurance Cost?
The cost for pet insurance depends on several different factors, including the age of the pet, any past medical issues it has faced, and the extent of coverage a pet owner wants or needs.
As an example, a policy from Pets Best for a five-year-old dog with no previous major medical issues, a $500 deductible, and a 90% reimbursement level costs $25.84 per month for an Essential Plan, $30.14 per month for a Plus Plan, and $31.54 for an Elite Plan. For most healthy pets, the cost ranges from $19 to $62, depending on the plan selected.
Coverage is available after just a three-day waiting period for accidents and a 14 day waiting period for illnesses. Pet owners can select a deductible as low as $50 per year or as high as $1,000 per year and can choose from a 70%, 80%, or 90% reimbursement rate. The higher the deductible and lower the reimbursement rate, the lower the premium costs.
Routine wellness exam coverage has no deductible and costs $16 per month for the basic plan. Enhanced wellness coverage, which includes higher per-visit limits, costs $26 per month.
Where Is Pets Best Insurance Available?
Pets Best pet insurance policies are available to all pet owners throughout the United States.
Pets Best Customer Service
Pets Best reviews are not as strong as other pet insurance providers, with most negative reviews alleging improperly denied claims and long wait times for claims reimbursement. However, the company does offer several ways to get in touch.
Pet owners can call the company Monday through Friday from 7 am to 7 pm and Saturdays from 10 am to 2 pm at 1-877-738-7237. There is also a live chat option through the company’s website, and a message function that sends an e-mail to customer care representatives. Pet owners may also connect with Pets Best on social media or via fax at 1-866-777-1434.
Pets Best pet insurance policy options are extensive in what they cover, the amount of reimbursement, and the ability to choose a low deductible each year. The company offers several different options to meet the needs of pet owners, as well as add-ons such as routine wellness coverage to lower total out-of-pocket cost for regular veterinary care. Even with all these benefits, the cost of Pets Best insurance is slightly lower than many comparable pet insurance providers.
Although there are some stand-out benefits of a Pets Best insurance policy, many customer reviews are not great. And, as with most pet insurers, pre-existing conditions are not covered and nor are alternative therapies under the most basic plans. However, the price point of Pets Best insurance combined with its comprehensive coverage may make it worthwhile for pet owners who need or want pet health insurance.4.56 Pets Best Pet Insurance