Compare Pets Best Pet Insurance

Comparison Fact Sheet

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



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 Level 1; BestBenefit Level 2; BestBenefit Level 3*
States Covered All 50 states, including DC
Underwriter and AM Best Financial Strength Rating Insurance is underwritten by Independence American Insurance Company

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 1/1/17.

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

14 days after the policy effective date for routine/wellness coverage (if selected)

For states with full hereditary & congenital coverage - The waiting period for cruciate ligament injuries, luxating patellas, portosystemic shunts, elbow dysplasia, hip dysplasia, osteochondritis dissecans and cardiovascular defects is 1 year after the policy effective date. In these states, this extended waiting period will be waived for any or all of these conditions if the insured pet's veterinarian supplies Pets Best with a completed form (provided by Pets Best) that he/she has examined the Pet within the first 30 days after the Policy effective date or no more than 10 days prior to the Policy effective date and attests that the Pet is free from any signs or symptoms of these conditions.
Waiting Period for Cruciate Injury Depending on the state you live in, cruciate ligament injures that occur in the first 12 months of the policy are either excluded from coverage or are subject to a limitation on the amount of reimbursement.

In states with full hereditary & congenital coverage - This extended waiting period will be waived for any or all of these conditions if the insured pet's veterinarian supplies Pets Best with a completed form (provided by Pets Best) that he/she has examined the Pet within the first 30 days after the Policy effective date or no more than 10 days prior to the Policy effective date and attests that the Pet is free from any signs or symptoms of these conditions.

**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 with your pet.

Out of Country Coverage - You WILL be covered when traveling to another country 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 and lifetime payout limits (See 'Max Payout Annually' and 'Max Lifetime Payout' sections below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You can choose any licensed veterinarian worldwide, but you must live in the US permanently to purchase a policy
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 examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Illness -
Baseline Coverage
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Behavioral Therapy Coverage [INCLUDED]

Consultations and prescription medications associated with behavior conditions by a licensed veterinarian are covered as long as you have not exceeded your annual and lifetime payouts. Behavioral therapy and training is not covered.



**See actual policy or call Pets Best for any additional limitations on Behavioral Therapy Coverage
Alternative Therapy Coverage [INCLUDED - With Limits]

Coverage is limited to chiropractic care and acupuncture performed by a licensed veterinarian.

Alternative therapy has a maximum benefit per policy term. This means once you hit your maximum payout for the policy term (12 months), alternative therapy will no longer be covered during that year. The maximum amount paid per year depends on the policy you buy:

Maximum Policy Term Payout for Alternative Therapy:
Level 1 Plan - $350
Level 2 Plan - $600
Level 3 Plan - $1000

Cold laser therapy, physical therapy and hydrotherapy are not considered alternative therapies by Pets Best and are covered up to the full annual limit.


**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

According to Pets Best policy: "Pre-Existing Conditions...are Claims for Accident or Illness to the Pet(s) that occur or manifest, whether treated or not, prior to the effective date of the Policy or during the waiting period."

**See policy or call Pets Best for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [HEREDITARY & CONGENITAL CONDITIONS - FULL COVERAGE IN CERTAIN STATES]

Full coverage for Hereditary & Congenital conditions is available as part of the base policy in certain states.

In these states, seven conditions have a one-year waiting period from the policy effective date. These conditions are: cruciate ligament injuries, luxating patellas, portosystemic shunts, elbow dysplasia, hip dysplasia, osteochondritis dissecans and cardiovascular defects.

This extended waiting period will be waived for any or all of these conditions if the insured pet's veterinarian supplies Pets Best with a completed form (provided by Pets Best) that he/she has examined the Pet within the first 30 days after the Policy effective date or no more than 10 days prior to the Policy effective date and attests that the Pet is free from any signs or symptoms of these conditions.

Hereditary & congenital conditions that manifested, whether diagnosed, treated or not, before the policy effective date or during the waiting period will not be covered.


[HEREDITARY & CONGENITAL COVERAGE IN REMAINING STATES IS AS FOLLOWS]:

Hereditary coverage is subject to a separate deductible.

No hereditary condition that manifested, whether diagnosed, treated or not, before the policy effective date or during the waiting period will be covered.

Some hereditary conditions are covered with monetary limitations: See - www.petsbest.com/plans/limitations.aspx

These hereditary conditions have a lower lifetime maximum per pet. This means once you hit this maximum payout, these hereditary conditions will no longer be covered. The maximum amount paid out depends on which plan you purchase. Coverage for these conditions will not apply to pets enrolled after their second birthday.

All other hereditary conditions will be covered similar to non-hereditary conditions.

Congenital conditions are not covered and are considered pre-existing. According to their Website examples of congenital conditions include but are not limited to: patellar luxation, umbilical hernia, entropion, elongated soft palate and portosystemic shunt.

Maximum Lifetime Payout for Certain Hereditary Conditions:
Level 1 Plan - $750
Level 2 Plan - $1,500
Level 3 Plan - $3,750

**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 with the policy.

Chronic conditions are covered as long as you have not gone over your maximum annual and lifetime payouts. (See 'Max Payout Annually' and 'Max Lifetime Payout' sections below)
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 and lifetime payouts. (See 'Max Payout Annually' and 'Max Lifetime Payout' sections 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 and lifetime payouts. (See 'Max Payout Annually' and 'Max Lifetime Payout' sections below)

For states without full hereditary/congenital coverage, cancers that are considered to be hereditary or genetic may not be covered.
Hip Dysplasia In states with full hereditary & congenital coverage, Hip Dysplasia is covered as part of the base policy. In these states, hip dysplasia has a 1 year waiting period.

This waiting period will be waived for any or all of these conditions if the insured pet's veterinarian supplies Pets Best with a completed form (provided by Pets Best) that he/she has examined the Pet within the first 30 days after the Policy effective date or no more than 10 days prior to the Policy effective date and attests that the Pet is free from any signs or symptoms of these conditions.

In all other states, Hip Dysplasia is covered with monetary limits and no hip dysplasia coverage is available if pet is enrolled after it's second birthday.

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

**See actual policy or call Pets Best for full list of inclusions and exclusions
Pregnancy Coverage [INCLUDED] Limited to pregnancy related conditions this includes complications caused by pregnancy. Breeding and reproduction expenses are not covered.

The following breeds are not covered for pregnancy related conditions:

Dog Breeds: Bulldog, Boston Terrier, Chihuahua, Pug, Dachshund, Lhasa Apso, Maltese, Pekingese, Pomeranian, Schipperke, Shih-Tzu, Silky Terrier, Tea Cup Poodle, West Highland Terrier, and Yorkshire Terrier.

Cat Breeds: Himalayan and Persian

Coverage for all other breeds is up to your full annual maximum as long as you have not gone over your maximum lifetime payout.

**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] Treatment of gingivitis and periodontal disease caused by tarter accumulation is not covered.

In general dental issues are not covered, however, if injury to teeth is due to a traumatic injury (e.g. being hit by a car), tooth extractions and reconstruction of canines are covered.

**See actual policy or call Pets Best for full list of inclusions and exclusions.
Bilateral Conditions Policy Pets Best does not consider cruciate injuries to be a bilateral condition.

**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 (with limitations in certain states), Hip Dysplasia (with limitations in certain states), Alternative Therapy (with limitations), Behavioral Therapy (with limitations), Continual Chronic Conditions Coverage, Cancer Coverage, Pregnancy (with limitations), Prescription Medications, 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
  • Preventative and elective procedures
  • Breeding, conditions relating to breeding and reproduction expenses
  • Boarding
  • Grooming
  • Congenital conditions (in certain states)
...See policy for a complete listing

 

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

Choose from 0%, 10%, 20%, 30%
Deductible Deductible does not apply to the optional Wellness/Routine coverage.

Deductible is Annual.

Choose from $0, $50, $100, $200, $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. The policy excludes expenses that "are in excess of the fees usually charged by the provider being used"
Max Payout Annually BestBenefit Level 1 Plan - $5,000
BestBenefit Level 2 Plan - $10,000
BestBenefit Level 3 Plan - $20,000
Max Lifetime Payout

BestBenefit Level 1 Plan - Lifetime limit is $100,000

BestBenefit Level 2 Plan - Lifetime limit is $150,000

BestBenefit Level 3 Plan - Lifetime limit is $200,000
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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If you use data from this website as a research point for your own website or written material, you must cite Pet-Insurance-University.com as the source.

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