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Pets Best Review
Pets Best Review
July 12, 2022 / Catherine Miller
Pets Best Review
July 12, 2022 / Catherine Miller
Customizable coverage for your best friend
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At a Glance

Pets Best offers comprehensive insurance for cats and dogs, with useful wellness coverage as an optional extra. With no upper limit and no spaying/neutering requirements, it’s suitable for lots of pets. A useful online portal makes claiming a cinch. With customizable reimbursements and deductibles, it’s also a good choice if you need to stick to a budget.

Pets Best’s Key Figures

Pets covered: Cats, dogs

Annual Coverage: From $5,000 to unlimited

Reimbursement: 70-90%

Deductibles: $50-$1,000

Waiting Periods: Accident = 3 days, Illness = 14 days, Ligament conditions = 6 months

Age limits: No upper age limit

Customer Support: Phone, Monday-Friday 6am-7pm MT or Saturday 6am-2pm MT

Pros

  • No upper age limit
  • Prosthetic devices covered
  • No requirement for spaying/neutering
  • Customizable reimbursement and deductible
  • Online claims portal

Cons

  • Some treatment limits are quite low
  • Doesn’t cover pre-existing conditions

With no upper age limit, Pets Best can cover pets of any age. The plans are comprehensive, with even prosthetic devices covered. You don’t have to spay/neuter your pet if you don’t want to, and you can save money by customizing your reimbursement and deductible. Finally, the online portal makes it easy to make a claim.

It’s worth noting that the limits for some treatments, especially wellness treatments, are on the low side, which could catch you out if your pet needs a lot of them. Furthermore, Pets Best doesn’t cover pre-existing conditions, which may exclude some pets from being eligible for insurance.

What’s Covered?

If you take out a policy, your pet is covered against:

  • Treatment for accidents and illnesses that happen within the term of your policy
  • Cancer treatments
  • Hereditary and congenital conditions
  • Emergency care, hospitalization, and surgery
  • Prescription medicines
  • Chronic conditions
  • Diagnostic tests
  • Behavioral consultation and medication (if provided by a licensed vet)
  • Periodontal disease
  • Prosthetic devices and wheelchairs
  • Euthanasia
  • Coverage while traveling within the US, Puerto Rico, or Canada

Pets Best offers fairly comprehensive coverage, not only covering the cost of treatment for accidents and illnesses, but also cancer treatments, emergency care, prescription medications, and even prosthetic devices. You are covered for treatment by any licensed vet, emergency clinic (including out-of-hours), and specialist, so you don’t need to choose someone from any specific practice or network.

One thing we like about the Pets Best coverage is that there’s no age limit, so older pets can still benefit from this pretty broad insurance. Pets also don’t need to be spayed/neutered. Another benefit is that chronic illnesses are covered—if they start within the term of your policy, and you then renew.

What’s Not Covered?

If you take out a plan, the following exclusions will apply:

  • Pre-existing conditions (an illness or injury beginning before your policy term)
  • Elective or routine care (unless added to your plan as an optional extra)
  • Parasite treatment (unless you take out the optional BestWellness plan)
  • Non-veterinary expenses like taxes, admin fees, or herbal treatments.
  • Insurance Plans & Pricing

    When you take out a plan with Pets Best, you can choose between Accident and Illness combined coverage or Accident only. As a pet owner, this is a great option, especially if you’re on a budget and want to keep your costs down.

    When it comes to the Accident and Illness plans, the Essential plan covers accidents, illnesses, cancer treatment, hereditary conditions, emergency care, surgery, and prescription medications. The Plus plan adds cover for diagnostic tests, and the Elite Plan contains everything mentioned, plus rehabilitative, acupuncture, and chiropractic coverage.

    Another great aspect of the Pets Best coverage is you can customize your premium payments by selecting your preferred annual cover limit, annual deductible, and reimbursement level (the money you’ll get back on each vet bill).

    We requested quotes for pedigree and non-pedigree cats and dogs, aged 6 years, and based in California with no known conditions. (*Your quoted price may vary depending on your pet’s details and location.) We set my annual limit to $5,000, my annual deductible to $500, and my reimbursement to 80%.

    Monthly premiums

    Accident-only

    Essential

    Plus

    Elite

    Dog (pedigree - labrador)

    $9

    $64.75

    $75.54

    $79.05

    Dog (mixed)

    $9

    $32.79

    $38.26

    $40.03

    Cat (pedigree - American Shorthair)

    $6

    $19.74

    $23.03

    $24.10

    Cat (mixed)

    $6

    $20.60

    $24.03

    $25.14

    **These quotes were received in July 2022 and are based on zip code 90210.

    You can also add 2 optional wellness plans with no deductibles:

    BestWellness from around $26 per month

    EssentialWellness for around $16 per month.

    Pets Best offers wellness plans in addition to their core accident and illness coverage to help budget for your pet's expected vet bills, vaccinations, deworming, microchipping, spay/neuter, and more!

    Reimbursements & Deductibles

    As mentioned, you can customize your reimbursement and deductible. The reimbursement is the amount you’ll get back from each vet’s bill, and you can choose 70, 80, or 90%. Choosing a higher reimbursement will make your monthly premium higher. The annual deductible is what you’ll pay in addition to the copayment (which can’t be adjusted). You can select $50-$1,000. Choosing a higher deductible will lower your monthly premium. An annual deductible can also be preferable to a per-procedure deductible if you think you’ll need to claim often.

    Benefit Limits

    You can choose a $5,000 annual limit or an unlimited annual limit. The latter option is more expensive, but knowing you won’t need to break the bank if your pet needs a lot of care could give you more peace of mind.

    Waiting Periods

    You’ll need to wait 3 days before claiming for an accident, 14 days for illness, and 6 months before claiming for ligament conditions.

    Claims and Service

    You can file a claim directly through Pets Best’s online portal, which is a handy feature that’s sure to save you time and energy. This enables you to check the status of your claim and request for direct payment to your vet. You can email, fax, or mail your claims form if you'd rather use a more conventional method. You’ll need to include your original invoices and proof of payment for treatment.

    If you need support, there’s an informative blog and a helpful FAQ on the site. You can also get in touch with Pets Best by phone Monday-Friday 6am-7pm MT or Saturday 6am-2pm MT.

    It’s pretty quick to get a quote through the Pets Best website and easy to edit your pet’s details and toggle between plan options. The website is packed with knowledge and is also easy to navigate.

    What Pet Parents Might Like

    The best thing about Pets Best insurance is how comprehensive it is. With periodontal work, prosthetic devices, and cancer treatment included, Pets Best insurance will give you plenty of peace of mind. It’s also great that there’s no age limit or requirement for spaying/neutering. This makes Pets Best an inclusive insurance suitable for lots of cats and dogs.

    Pets Best also offers a 24/7 vet hotline, with no limits on usage. This means you can contact a professional at any time, if needed.

    Something To Consider

    Although the Pets Best wellness plans can be a useful addition to your insurance, their treatment limits may not cover everything your pet needs. For example, the limit for spaying/neutering is $150, but this procedure can cost upwards of $200. Whether this is a problem for you will depend on the age and circumstances of your pet. A younger pet may need more ‘wellness’ treatment in their early years.

    Pets Best doesn’t cover pre-existing conditions, and this can leave you out of pocket if your pet has a recurring issue.

    Contact and Address Information

    Address :

    Pets Best Insurance Services, LLC

    965 Keller Rd.

    Altamonte Springs, FL 32714

    To Sum Up

    If you’re looking to insure your cat or dog, Pets Best is a great choice. Its Accident and Illness plans are comprehensive, with things like periodontal treatment and even prosthetics included. If needed, you can also add wellness coverage, which can help lower the cost of things like flea prevention and deworming. But note that the limits on these treatments can be on the low side if your pet needs a lot of wellness treatment. Nevertheless, because there’s no age limit and no requirement for neutering/spaying, Pets Best is a great fit for lots of pets.

    Company Disclosure

    Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S Suite 200 Seattle, WA 98108. Please see www.americanpetinsurance.com to review all available pet health insurance products underwritten by APIC.

    Get started now, visit Pets Best
    By Catherine Miller
    Catherine Miller is a lead member of personal finance and pension innovator Maji, where she’s responsible for content creation and running Maji’s personal finance masterclass, among others. Miller also holds degrees in English and education, and worked as a teacher before moving into finance. Today, she combines aspects of education and personal finance to help readers make better decisions in finance and beyond.
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