Pets Best Pet Insurance Review
23 May, 2018
petsbest pet insurance

By:  Lisa Fimberg

Pets Best Insurance Services, LLC, located in Boise, Idaho is a pet insurance company that covers dogs and cats for accidents and illnesses, and also routine care at additional cost. PetsBest policies are underwritten by American Pet Insurance Company and it has an A+ rating from the BBB. Their mission is to end economic euthanasia of pets.

Pets Best Quick Overview

Pets Best offers great insurance plans for the overall wellbeing of your pet.  They offer two tiers of wellness packages that cover routine care and treatment. The company features standard coverage of things like prescriptions, exam fees, and alternative therapies. Pets has no age restriction; they will cover dogs and cats regardless of how old they are. However, only their top-tier plan is unlimited. The others have benefit limits of $5,000.

Let’s break it down for you to get a real feel of their excellent pet insurance policies:

CUSTOMER SATISFACTION RATING

What better way to know if an insurance company performs than from its customers.  PetsBest has an extremely strong customer satisfaction rating and owners with older pets love that there is no upper age limit on any of their policies.  They also please pet owners who are interested in a good, solid wellness package.

COVERAGE

Pets Best offers three levels of coverage that are differently arranged than other pet insurance companies. The company’s Essential, Plus, and Elite plans all cover accidents, illnesses, emergency care, and non -pre-existing hereditary conditions like most policies. However all plans also include prescription coverage which not all companies do.

Pets Best also offers two tiers of wellness plans that can be added to these policies at additional cost.  The coverage includes blood work, dental cleanings, spaying/neutering and all the other routine treatments in their daily life.  The Elite plan even offers an additional supplemental coverage that includes rehab therapies, chiropractic and acupuncture.

Pets Best offers Accident Only coverage for those on a limited budget that want great coverage for things like broken legs, snake bites, accidental swallowing, and more. Hereditary and congenital conditions also have coverage such as hip and elbow dysplasia, luxating patella, and cruciate ligament injuries. Since these plans include the widest array of coverage, they will also have higher premiums.

Accident Only plans do not cover medical issues such as illness or cancer, which are covered under our BestBenefit Accident and Illness plans.

PetsBest coverage includes all of the following:

Medical Conditions Covered

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Physical Therapy

Prosthetics & Mobility Aids

As mentioned above, the EssentialWellness or BestWellness routine care coverage can be added to any plan for an additional premium. Routine care coverage helps pay for your pets regular and expected veterinary visits for items like shots and teeth cleaning. With routine care there is no deductible to meet, and coverage begins the day after you enroll.  This is really beneficial important if you have a new kitten or a new puppy and can save you a lot of money on the routine costs.  They even include micro-chipping and de-worming, rabies and flea and tick prevention.

Your pet is covered anywhere in the United States, so if you travel and your pet get ill or injured, it’s nice to know that you can get affordable care while away.

You can also choose any vet you want, emergency hospital or specialist and be assured that you are covered!

This is what Pets Best does not cover (unless you purchase their wellness plans)

Pre-existing conditions

Routine veterinary visits

Pre-existing cruciate ligament problems to one leg as respects the cost of future treatment for  problems of the other leg.

Preventative care

Spaying and neutering

Preventive healthcare including vaccinations or titer test, flea control, heartworm medication, de-worming, nail trim, and grooming.

Parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available.

They don’t offer any holistic plans or alternative therapies such as hydrotherapy and chiropractic (even as an additional add-on) like other pet insurance providers.

BENEFIT LIMITS

Pets Best’s offers unlimited benefits on its top tier Elite plan. The other two plans have an annual benefit limit of just $5,000 which can occur easily with one hospital visit.  Other pet insurance provider such as Healthy Paws offers unlimited benefits in all their plans as do other pet-insurance companies.

The higher benefit level, as always, means the higher premium.

DEDUCTIBLES

Pets Best does offer more flexibility among its deductible options and range from offers flexible deductibles of $50, $100, $250, $500 up to $1000. Not many other pet insurance providers offer the option of such a low deductible.

Choosing a higher deductible will lower your monthly plan price, but it means your out-of-pocket costs will be higher when your pet needs vet care. Choosing a lower deductible will increase your monthly price, but will lower your out-of-pocket costs. Pets Best offers a wide variety of deductible options so your plan is personalized to fit your budget and your dog or cat’s specific needs.

The wellness plans are a nice add-on because you don’t have to meet a deductible and get reimbursed from your first visit!  Wellness plans offer routine check-ups, vaccinations, spaying and neutering and even dental cleaning!

REIMBURSEMENT

Pets Best gives you the option of setting your reimbursement at 70%, 80%, and 90%. This is a consistent feature of the best pet insurance providers. Only Figo offers a 100% reimbursement level of all the pet insurance companies that we reviewed.

PetsBest also pays out on the actual vet bills as do the other top providers.

As with deductibles, the higher the monthly premium, the more you will get reimbursed for that claim.

PRICING

Pets Best’s lower tiered plans are competitive, while their comprehensive Elite plan can be a bit pricey.  Although the high end, all-inclusive elite plan can run $60-$70 a month. And the less expensive of the wellness add-ons is an extra $16. So you can really budget according to your pets’ needs.

Plans for dogs currently start around $30 and cat plans start around $17. You can purchase an accident only plan for less than $10 a month which is a nice addition if you have a small budget and just want an emergency fund for your pet.  In fact, the pricing for the accident only plans is $6 per month for cats, and $9 per month for dogs, for all ages and breeds!

When you enroll more than one pet, you can earn up to a 5% discount for each additional pet!  And there is a 5% discount for the military.

CLAIMS & SERVICE

Pets Best provides an unusually fast claims processing, often paying claims within 3 to 5 days. Customers can accelerate their claims by submitting them electronically through their online portal which allows you to see the status of your claim.  You can also set up direct deposit to get paid directly back into your banking account, or request that they pay your vet directly which is a great option to have!

PetsBest will not raise your premium due to the number or types of claims made within a given year which is nice and also a feature of PetsFirst.

Pets Best also features a 24/7 veterinary support line for all customers. You can get the answers to all your pets health questions at any time of day with their 24/7 Pet Helpline powered by whiskerDocs®. The veterinary experts at whiskerDocs are available to help educate and provide advice and decision support to pet parents by phone, live chat, and email, from urgent care to behavioral questions.  Petplan is one of the other top providers that offers a 24/7 Pet Helpline.

ENROLLMENT & WAITING PERIODS

Pets Best is one of only a few companies to allow enrollment at any age. What’s more, there are no age limits for policy extensions as well. The waiting period is 14 days illnesses after effective date and 3 days for accidents and routine care can be used the day after you enroll, and 6 months for cruciate ligament events and any related conditions.  Figo is similar with this short waiting period and no upper age limit, but it is not standard in the industry.

The starting age of enrollment for puppies and kittens is 7 weeks old.  And there are no enrollment fees so your coverage starts almost immediately.

The waiting periods are waived for continuous, uninterrupted policy renewals.

As is standard to most pet insurance providers, PetsBest gives you a 30 day free-look period. The free-look period means that if you change your mind after enrolling, you can get a full refund.  This helps if you are not sure if your dog or cat’s illness is a pre-existing condition and have time to confirm.

Your policy will renew automatically each year on your policy effective date.  If you don’t want to renew, you need to let them know via email, phone or fax and they can have your policy ended that same day.

Customer service is available between 7 AM and 7 PM Monday – Friday, or 10 am – 2 pm Saturdays, Mountain Time. They also have a live chat button on the top of each page to chat live with a customer care or sales agent.

Make sure to go to Pets Best to get a quote to see if they are the right pet insurance company for you.  You can also call them at:  1-877-738-7237.  Have your questions ready and see if they can meet the needs for you and your dogs and cats!

Want to learn more about pet insurance and what to look for in coverage?  Than read our guide!

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