Compare Pets Best Pet Insurance

Comparison Fact Sheet

To get the most from these sheets, please read the Guide to Pet Insurance first.


Please Note:
Pets Best has recently updated its plan. Call Pets Best to see what features are available in your state.



Company Info
Company Name Pets Best
Also Known As  
Address 2323 S. Vista Ave, Ste 100
Boise, ID 83705
Phone 1-877-738-7237
Website www.petsbest.com
Plans That Provide Both Accident and Illness Coverage BestBenefit Accident and Illness *
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance underwritten by American Pet Insurance Company which has an AM Best Financial Strength Rating of NR as of 4/1/17.

For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'.

American Pet Insurance Company is not rated (NR) by AM Best, however they are rated by Demotech, Inc. Read More:
Year Company Started 2005

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet must be at least 7 weeks of age.

There is no upper age limit
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 3 days after the policy effective date for accidents

14 days after the policy effective date for illness.
Waiting Period for Cruciate Injury 6 months after the policy effective date for Cruciate Ligament Events

**See actual policy or call Pets Best for complete details regarding cruciate ligament injuries
Coverage When Travel Out of State or Country? Out of State Coverage - You WILL be covered while traveling to other states and Puerto Rico with your pet.

Out of Country Coverage - You WILL be covered when traveling to Canada with your pet.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact the company for more information on when and how your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you don't go over your annual payout limit (See 'Max Payout Annually' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You can choose any licensed veterinarian in the US, Puerto Rico, and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or call Pets Best for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online
(You may have to scroll down the page to see it.)

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage
Covers diagnostics, lab tests, surgery, treatments, hospitalization.

To get coverage for examination fees and prescription medications, you must purchase a plan with these optional benefits.
Illness -
Baseline Coverage
Covers diagnostics, lab tests, surgery, treatments, hospitalization.

To get coverage for examination fees and prescription medications, you must purchase a plan with these optional benefits.
Behavioral Therapy Coverage Covers behavioral consults with a licensed veterinarian.

Covers medication prescribed by a licensed veterinarian for behavioral therapy, however, in order to get this coverage you must purchase a plan that includes the optional Prescription Medication benefit.


**See actual policy or call Pets Best for any additional limitations on Behavioral Therapy Coverage
Alternative Therapy Coverage [OPTIONAL]

To get Rehabilitative, Acupuncture and Chiropractic coverage you must purchase a plan that includes this optional benefit.

**See actual policy or call Pets Best for any additional limitations on Alternative Therapy Coverage.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

**See policy or call Pets Best for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [INCLUDED]

Hereditary and congenital conditions are covered as part of the base policy as long as the condition is not pre-existing and has not occurred during the waiting period.

**See actual policy or call Pets Best for complete description of their Hereditary & Congenital Conditions Policy.
Continual Coverage for Chronic Conditions [INCLUDED]

Continual coverage for chronic conditions is included in policy.
Chronic Conditions Policy They do not cover chronic conditions that are pre-existing or that occur during the waiting period.

Chronic conditions are covered as long as you have not gone over your maximum annual payout. (See 'Max Payout Annually' section below)

**See actual policy or call Pets Best for complete description of their Chronic Conditions Policy
Cancer Coverage [INCLUDED] Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period.

(See 'Chronic Conditions Policy' section above)
Cancer Coverage Limits Cancer conditions are covered as long as you have not gone over your maximum annual payout. (See 'Max Payout Annually' section below)
Hip Dysplasia INCLUDED]
Hip Dysplasia is included in the core policy as long as it is not pre-existing and has not occurred during the waiting period.

(See 'Hereditary & Congenital Conditions Coverage' section above)
Prescription Drug Coverage [OPTIONAL]

To get prescription drug coverage you must purchase a plan that includes this optional benefit.

Any prescription medications that are not included in their formulary of covered medications are not covered.

**See actual policy or call Pets Best for full list of inclusions and exclusions
Pregnancy Coverage [NO]

**See actual policy or call Pets Best for full list of inclusions and exclusions

Routine/Wellness Coverage [OPTIONAL] - Wellness coverage available at an additional cost.

Includes:
  • Annual wellness exams
  • Routine vaccinations
  • Flea, tick and heartworm medications
  • Spaying and neutering
  • Routine diagnostic tests (Blood Panel, Heartworm Test, Fecal Test, Urinalysis, FeLv Test)
  • Routine dental cleaning
  • Microchip
Each category has a payout limit. Deductible and co-pay do not apply to wellness benefits.

**See actual policy or call Pets Best for complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Periodontal disease coverage is limited to endodontic treatment for canine and carnassial teeth and extractions. There are requirements you must up hold to receive this coverage.

Traumatic dental fracture coverage - "...Endodontic treatment for canine and carnassial teeth and extractions for all teeth due to traumatic dental fractures and other oral traumas are covered as long as they are not caused by repetitive inappropriate chewing behavior that presented signs or symptoms prior to the Policy Effective Date or the expiration of any Waiting Period."

Deciduous teeth, dentigerous cysts, enamel hypoplasia and unerupted teeth coverage - "...Extractions for these Conditions are covered if your Pet enrolled prior to becoming 6 months old and there are no signs or symptoms of these Conditions prior to the Policy Effective Date or prior to the expiration of any Waiting Period."

**See actual policy or call Pets Best for full list of requirements, inclusions and exclusions.
Bilateral Conditions Policy Pets Best does not cover bilateral conditions if one side was pre-existing.

Call Pets Best for their policy regarding bilataeral conditions that are not pre-exisiting.

**See actual policy or call Pets Best for a list of medical conditions that are considered bilateral and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)
Diagnostics and treatments due to illness and accidents

[Included] Congenital & Hereditary Disorders, Hip Dysplasia, Alternative Therapy (Optional), Behavioral Therapy (with Optional Medication Coverage), Continual Chronic Conditions Coverage, Cancer Coverage, Prescription Medications (Optional), Dental Illness/Accidents (with limitations). (Refer to each category's section for limitations)

[Optional Add Ons] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)

**See actual policy or call Pets Best for full list of exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Breeding, conditions relating to breeding and reproduction expenses
  • Boarding
  • Grooming
  • Any prescription or over-the counter medications that are not included in their formulary of covered medications.
...See policy for a complete listing

 

How The Policy Works
Co-pay Copay does not apply to the optional Wellness/Routine coverage

Choose from 10%, 20%, 30%
Deductible Deductible does not apply to the optional Wellness/Routine coverage.

Deductible is Annual.

Choose from $50, $100, $200, $250, $500, or $1,000.
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined Reimbursement is based on the actual veterinary bill.
Max Payout Annually $2,500, $5,000, $10,000 and Unlimited

Max Lifetime Payout Pets Best does not have a maximum lifetime payout.
Max Payout per Incident Pets Best does not have a maximum payout per incident
Max Payout Based on Body System Pets Best does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $19.00 - $80.00 depending on the plan, dog vs cat, sex, breed, location, spayed/neutered, age, wellness coverage, etc.

 

Additional Info
Get A Quote Get A Quote
My Review Pets Best Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com
Better Business Bureau bbb.org
Additional Info Pets with serious ongoing conditions (e.g. diabetes, Addison's disease and Immune Mediated Anemia) are not eligible for illness coverage but may be eligible for accident coverage.

*The information in the above charts only applies to Pets Best's pet insurance plans that cover both illness and accidents. If your pet is only eligible for accident coverage, please contact Pets Best for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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