Pets Best was created in 2005 by Dr. John Stephens, the founder of the very first pet insurance company in North America. The company’s goal is to take away the financial worry that having a pet causes in order to help customers avoid economic euthanasia. They provide extremely customizable plans and payment options, and pride themselves on short waiting periods and quick reimbursements.
Pets Best in ideal for pet owners looking to spend a little extra money to ensure that they are covered if an unfortunate accident or illness ever occurs.
- Good Customer Service
- Customizable Plans
- Discounts when multiple pets are registered
- Worldwide Coverage
- Main plans do not cover routine checkups
- Only covers cats and dogs
- Low yearly limits on all except the most expensive plan
Plans/Pricing: (Rating: 7/10)
Pets Best allow users to customize a plan to their liking. They offer 3 different main plans called “Essential”, “Plus”, and “Elite” that cost anywhere from $19 to $79 per month. For an extra $23.50 per month they also provide a plan called “BestWellness Routine Care Coverage” that covers more everyday issues than their main plans. Finally, they will provide accident only coverage if your pet has a pre-existing condition and thus cannot be covered under their main plans. The maximum payout per year ranges from $5,000 to $10,000 and a maximum lifetime payment ranging from $100,000 to $150,000.
Waiting Period: (Rating: 9/10)
Pets Best is the self-proclaimed industry best as far as wait times go. They guarantee a maximum of 3 days for accidents, or 14 days for illness. 14 days is also how long the waiting period is for claims under the “BestWellness” coverage.
Unfortunately, there are 7 conditions that are subject to a 12 month waiting period, however this can be waived if your pet is checked by a registered vet and found to be in good health within 30 days of enrollment. These 7 conditions are: cruciate ligament injuries, luxating patellas, portosystemic shunts, hip dysplasia, elbow dysplasia, osteochondritis dissecans, and cardiovascular defects.
Availability: (Rating: 10/10)
Pets Best is available in all 50 states.
Exclusions: (Rating: 6/10)
Pets over 7 weeks are available for coverage and there is no upper age limit. It should be noted that Pets Best does not provide coverage to pets with pre-existing conditions. This means it is beneficial to get the insurance as early in your pets life as possible, before problems have had the chance to arise.
Although the costs of complications arising from pregnancy are covered under the “BestWellness” plan, actual breeding expenses are not. Certain breeds, such as pugs or bulldogs, are not even covered for complications due to pregnancy because of the increased risk when dealing with these breeds.
Dental cleaning is only covered under the “BestWellness” plan as well. The 3 main plans only provide dental coverage in the case of trauma.
Claims/Deductibles: (Rating: 8/10)
Pets Best allows you to customize everything from your plan, to your deductible, to your reimbursement level. You can choose a deductible of $50, $100, $200, $500, or $1,000. You can also choose a reimbursement level of 70%, 80%, 90%, or 100%.
Payouts/Limits: (Rating: 7/10)
Payout limits are based on which of the 3 plans you choose. The lowest level, called “Essential Option” has an annual coverage limit of $5,000, and a lifetime limit of $100,000. The mid-level plan, called “Plus Option”, also has an annual coverage limit of $5,000, and a lifetime limit of $100,000. The top-tier plan, called “Elite Option”, has an annual coverage limit of $10,000, and a lifetime limit of $150,000.
Extras: (Rating: 9/10)
Pets Best has 2 extra plans apart from their 3 main plans. One is the “BestWellness” routine care coverage. This plan costs an extra $23.50/month but it covers routine procedures such as spaying/neutering, annual exams, and flea/tick prevention.
The second extra plan is the accident only plan, which covers unique problems such as snake bites or accidental swallowing, for around $10/month. The ‘accident only plan’ is an option for owners with pets who have prior conditions which make them ineligible for the 3 main plans.
Ease of Enrollment: (Rating: 10/10)
Pets Best makes enrolling very easy. You can do everything from getting a quote to paying for your coverage online at their website https://www.petsbest.com/.
Customer Service: (Rating: 9/10)
Pets Best has very good customer service. They are available by phone at 1-877-738-7237 from 7am-7pm MT Monday to Friday and 10am- 2pm MT on Saturday. As well, they also provide a live chat on their website that immediately connects you with an employee who is able to answer your questions.
Pricing and Details
Dog owners can expect to pay around $29/month for the “essential” plan, $35/month for the “plus” plan, and $52/month for the “elite” plan.
Cat owners can expect to pay around $18/month for the “essential” plan, $22/month for the “plus” plan, and $32/month for the “elite” plan.
Pricing is based on 4 factors: Location, age, breed, and deductible and reimbursement level.
*Sample prices based on a 2 year old mixed breed male from Michigan with a $200 deductible and 80% reimbursement level.
Pets Best allows you to customize your payment so you can pay monthly, quarterly, semi-annually, or annually.
All pets older than 7 weeks are available for coverage under Pets Best.
The 3 main plans do not cover wellness. For an extra $23.50/month you can have this added on with their “BestWellness” plan.
Accident and illness are included in the 3 main plans.
$50, $100, $200, $500, $1,000.
Claims (Policy Increase: Yes/No)
There is no increase to policy when claims are made.
Limits range from $5,000-$10,000 annually, and $100,000-$150,000 lifetime. The limits depend on which of the 3 main plans you choose.
The “Plus” and “Elite” plans offer rehabilitative, acupuncture and chiropractic coverage.
The “BestWellness” plan covers teeth cleaning, while the main plans cover dental problems that are a result of trauma.
Pricing and Claim Info
Price Range for Dogs: $29 to $52 per month
Pricing Rage for Cats: $18 to $32 per month
Pricing Based on: 2 year old mixed breed male with a $200 deductible and 80% reimbursement level
Enrollment Age Minimum: 7 Weeks
Effective Date: The day after purchase.
Waiting Period - Illness: 14 Days
Waiting Period - Accidents: 3 Days
Waiting Period - Heredity/Congenital/Other Conditions: 12 Months
Coverage: Global Coverage
Claims Cause Policy Increase?: No
Limits on Payouts
Per Incidence Limits
Annual Claim Limits
LifeTime Claims Limits
Congenital Conditions: Yes - only specific states
Wellness Coverage: Add-on
Dental: No, except for trauma
Pregnancy: no, but complications as a result of pregnancy are
Special Coverage: Yes
Help and Support
Who is This Insurance Plan Ideal For?
Pets Best is an ideal pet insurance for those with a young pet who want to make sure that they’re protected if their pet happens to have a costly accident that could plague them for the rest of their life.
What We Like
Website and Customer Service
Pets Best’s website is easily accessible, answers all of your questions, and presents all of their plans and add-on’s in a simple format.
Pets Best allows you to take your pet to any vet in the world. This is great piece of mind and means you don’t have to worry if your pet has an accident when you are away from home.
You can file your claim online and have it processed within 2-5 business days. You can then be reimbursed within 2 business days if you have set up a direct deposit with them.
What We Don’t Like
You can expect to pay around $50/month for the mid-level plan along with your yearly deductible. This is fairly pricey, especially when considering that general wellness visits are not covered under the main plans.
Low Annual Coverage
With a $5,000 limit on all except for the “Elite” plan, it would be unfortunate if the bills for your pets accident went above $5,000. A lower lifetime limit and a higher annual limit would probably be more beneficial to most owners.
Pre-Existing Conditions are not Covered
Pets Best does not cover any pre-existing conditions that a pet had prior to being insured. Although there is no age limit for pets, this policy will exclude older pets from being covered.
Pets Best is insurance for owners who want to be protected from unforeseen accidents or illness that are out of their control. The plans are very customizable in order to fit your needs, and claims are guaranteed to be paid out quickly. While you do have the option to add-on a wellness plan for general check-ups, the added benefits may not be worth the increase in price. Overall, Pets Best takes their role as a leading pet insurance company very seriously, and will do what it takes to make sure that you do not have to worry if your pet suffers an accident.
Pets Best offers very customizable plans and payment options to fit your needs, and claims are guaranteed to be paid out quickly. Waiting periods are among the lowest.