Reviewed by: André Spiteri
Pets Best has a reasonable level of coverage that operates worldwide and no upper age limits and offers a BestBenefit Accident and Illness unlimited plan. Best of all, they offer international coverage and have a pre-approval hotline for claims over $500. This is really helpful should you need to make an emergency decision about your pet’s care.
Most claims paid within 5 days
24/7 claim pre-approval hotline
Exam fees cover
Insures any pet over 7 weeks old
Flat rate accident plans under $10
Some exclusions are worded vaguely
Annual limits may apply
The BestBenefit Accident and Illness unlimited plan pays on your actual veterinary bill for unexpected incidents like emergencies and illnesses.
The Essential plan covers accident, illness, hereditary conditions, emergency visits, surgery and medication.
The Plus plan gives you the same basic cover as the Essential plan, but also covers vet exam fees and rehabilitation expenses. The latter includes physical therapy, hydrotherapy and even cold laser therapy.
The Elite plan is the same as the Plus plan, but it has a higher annual limit.
Wellness cover and full cover for congenital conditions are also available as upgrades.
If you purchase a Pets Best policy, it’s possible to have no deductible and 70-90% reimbursement.
While this looks appealing on paper, it is important to note that you can only opt for 70-90% reimbursement if you have a deductible of at least $200.
That said, the deductible is annual. This means that, even though your first claim of the year won’t be refunded 100%, any further claims during that year will.
Finally, annual limits limits apply, depending on the level of cover you opt for. The Essential and Plus plans have an annual limit of $5000, which is quite low. The Elite plan has an annual limit of $10, 000 or, upon request, $20,00.
That said, Pets Best should start offering an unlimited plan starting in 2017.
The cost of a Pets Best plan will vary depending on location, deductible, reimbursement level and the age of your pet. You can get accident only cover with a $200 deductible and 80% reimbursement for $9 a month, which is quite cheap.
You’ll get 5% off your premium if you insure more than one pet.
Pets Best will not insure pets younger than 7 weeks old. However, they do not have any upper age restrictions. This makes Pets Best ideal if you’re thinking of buying pet insurance for your older pet for the first time.
Pets Best does not cover pre-existing conditions and non-veterinary expenses, including special diets.
Pets Best also don’t cover preventable conditions. This is described as a condition in respect of which a vet advised you to take precautions.
Thankfully, Pets Best do have a pre-approval hotline for claims over $500. This is extremely helpful, as it allows you to quickly check whether something is covered before taking a decision on your pet’s care.
Pets Best offers a reasonable level of cover, but the annual limits on most plans don’t make it the best option out there. However, their claims pre-approval service is very helpful should you need to make an emergency decision about your pet’s care.
Pets Best was founded in 2005 by veterinarian Dr. Jack Stephens with a mission to provide access to comprehensive animal healthcare at an affordable price. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims to their customers. Pets Best offers pet insurance for multiple fortune 500 companies through leading partner connectivity and technology. Pets Best is a proud founding member of NAPHIA.
Pet insurance offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (APIC) or Independence American Insurance Company (IAIC).
This information was provided by PetsBest.
Last Updated: January 2018