Can choose own vet for your pet!
Pros
- Inexpensive monthly premiums
- Flat rate wellness and accident-only plans
- Discounted offers
- Vet Direct Pay
- Online tools for convenience
Cons
- Complex structures for illness and accident plans
- Two choices for the annual limit
- End-of-life expenses not included
What is Pets Best?
Pets Best provides complete veterinary coverage at affordable premiums.
Have you ever wondered how technology would affect pet insurance in the future? Well, there’s no need for more speculation because you can just look at Pets Best. Pets Best is an insurance provider that’s taking the lead with its online tools designed to make pet owners’ lives easier. If digital tools don’t convince you, perhaps their low premiums – without strings attached – would seal the deal. In this review, we looked at Pets Best insurance plans to find out if they can actually match our expectations.
Pets Best offers several types of plans for accidents and illnesses with varying treatment coverage. For some pet owners, too many options can be confusing. And although they have different plans for accidents and illnesses, none of their plans cover end-of-life expenses such as burial and cremation. If you select an accident and illness plan, you can only choose either a $5,000 annual limit or an unlimited one.
Pros and Cons – Pets Best
Regardless of age and breed, all pets of the same species are charged the same rate for wellness and accident-only coverage. Pets Best’s insurance plans for dogs start at $9 a month for an accident-only plan and $35 to $58 a month for comprehensive coverage. Their insurance premiums for cats start at $6 a month for accidents only and $22 to $46 for a comprehensive plan.
Pets Best also offers discounts that can be combined so you can get more savings on your monthly premiums. They offer a 5% discount when you sign up online, enroll several pets, and for members of the military. You can get up to $24 in savings when you pay your annual premiums in a lump sum.
Policyholders can file their claims using the online portal which also shows the status of the claim. Another feature that you should take advantage of is Vet Direct Pay. Pets Best will send the payment for claims reimbursement directly to your veterinarian. You can also contact their pet hotline to get veterinary advice 24/7.
Pros
- Inexpensive monthly premiums
- Flat rate wellness and accident-only plans
- Discounted offers
- Vet Direct Pay
- Online tools for convenience
Cons
Pets Best offers several types of plans for accidents and illnesses with varying treatment coverage. For some pet owners, too many options can be confusing. And although they have different plans for accidents and illnesses, none of their plans cover end-of-life expenses such as burial and cremation. If you select an accident and illness plan, you can only choose either a $5,000 annual limit or an unlimited one.
- Complex structures for illness and accident plans
- Two choices for the annual limit
- End-of-life expenses not included
Available Plans and Pricing
Plans
Pets Best offers three general plans – accident and illness, accident-only, and wellness. The accident-only policy has a $250 deductible, $10,000 annual limit, and reimbursement for 90% of the covered treatments’ cost. The accident-only plan is an inexpensive policy to help you pay for treatment costs when something unexpected occurs such as your pet eating something dangerous or a getting involved in a car accident.
If you want an accident and illness policy, Pets Best offers three different tiers with options for an unlimited or $5,000 annual limit. The essential plan serves as the basic plan that you can purchase alone or as the base of a more comprehensive policy. The plan will cover diagnostics, treatments, and procedures relating to accidents and illnesses, but some essential services are not included. You’ll want to get the Plus plan if you want to get reimbursement for exam fees. Only the Elite plan provides cover for alternative care such as chiropractic and acupuncture treatment.
You can also include a routine care rider in any accident and illness plan. The EssentialWellness and Best Wellness add-ons will cover microchipping, preventive care, and vaccinations. BestWellness provides higher coverage limits as well as additional services such as dental treatment and spay/neuter to their list of covered items.
Pricing
One of the key determining factors for the cost of pet insurance is age. With Pets Best, age is only considered for plans that include illness coverage. Their accident-only plans have a flat rate starting at $9 for dogs and $6 for cats every month. It doesn’t matter what breed or how old your pet is. For the routine care riders, cats and dogs have the same monthly rate – EssentialWellness at $16 and BestWellness at $26.
Their accident and illness plans are less expensive even with the fluctuations brought about by age. Monthly premiums for young pets start at $5 to $10, with premium coverage seldom going beyond $50 a month. In the table below, you’ll see the cost of monthly premiums for dogs and cats at varying ages.
Waiting Period
Pets Best has some of the shortest waiting periods. Injuries and services covered by an accident-only policy have a three-day waiting period, 14 days for illnesses, and 6 months for conditions related to cruciate ligament. Pets Best’s waiting periods are consistent with the industry average.
What Do People Say About Pets Best?
While claim processing is somewhat slow, I’ve found normally about 30 days, coverage is excellent and submitting a claim is really simple. One of the better pet insurance companies I’ve dealt with.
At the time I got this insurance I had no idea I would need it so soon. Pets Best has definitely paid out more than my premium. Thankfully my pup is starting to do better. We have been very pleased with Pets Best. Claims are processed quickly and fairly. Benefits are paid in a timely manner and direct deposits are made to the bank. The company has been very helpful.
Final Thoughts
With a combination of customizable coverage plans and low premiums, Pets Best gives pet owners access to practical insurance with the type of coverage they need. Pets Best also provides online tools to make filing claims easier and the option to directly reimburse your veterianarian for covered services. It’s easy to convince yourself to sign up with Pets Best with their first-class service and affordable prices.
