Pets Best Insurance provides coverage for both dogs and cats with affordable monthly payments and low deductibles. The company offers plans with deductibles ranging from $50 to $1,000 and reimbursement rates at 70 percent, 80 percent and 90 percent. Coverage options include Accident Only, Accident/Illness, Routine Care and Essential Only coverage. Pricing varies based on breed, location, age and deductible. For example, the monthly premium for a four-month old male Labrador Retriever puppy in Miami with an 80 percent reimbursement and $100 deductible is $35.62 per month. Coverage for a two-year-old mixed-breed cat in Chicago with 80 percent reimbursement and $500 deductible costs $10.37 per month.
Pets Best Accident Only plan covers only accidents, such as trauma, poisoning, bites, lacerations and wounds. This plan has a $10,000 annual limit and $20,000 lifetime limit.
The Accident/Illness Plan provides thorough coverage for most medical situations, including treatments for pets with cancer, chronic conditions, hereditary conditions, illnesses and injuries. This plan also covers prescription medications, diagnostic testing and emergency care. This plan has a 12-month waiting period for hip dysplasia and ACL injuries, a 14-day waiting period for illnesses, and a three-day waiting period for accidents. However, owners can have their pet examined by a veterinarian within 30 days of purchasing the plan to certify that their pet is in good health, and then Pets Best waives the 12-month waiting period.
Customers can add BestWellness Routine Care Coverage to their other Pets Best plans for increased coverage. This plan costs around $20 per month for most pets, depending on age, breed and location. This covers most routine exams, procedures and vaccinations, and dog owners received approximately $500 in services without out-of-pocket payments with this plan. This plan has a 14-day waiting period. While this plan covers most routine health treatments, it has low annual maximums for some services or medications, and owners may have to pay out-of-pocket if their pet requires repeated or monthly treatments.
The Essential Option Plan covers only emergencies. This plan has a $5,000 annual limit and $100,000 lifetime limit. This plan does not cover exam fees, rehabilitation services or routine care.
Pets Best has excellent customer service. Customers can reach a live representative by phone, email or live chat. The company’s representatives are pleasant and helpful, and the company provides a prompt response to customer questions.
Pets Best pays claims quickly, offers low monthly premiums and a variety of coverage options. The premium price increases as the customer’s pet ages, but customer service representatives work with customers to find new plans that fit their budget. Customers must be diligent and read their policy to find out what the company covers and what it does not. Overall, Pets Best is one of the most affordable pet health insurance providers on the market.