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Pets Best Insurance Reviews: Plan Options and Coverage Details


Pet insurance is becoming increasingly popular in the United States and Pets Best is one of the companies dominating the market. But choosing a pet insurance provider is a personal decision, not a one-size-fits-all solution. As pet parents, we want our dogs to live their longest, healthiest, and happiest lives. Getting pet insurance can be a great way to take care of their medical needs while protecting your finances.

Pets Best is a pet insurance company that offers customizable plans designed to fit your budget and the coverage you need. This comprehensive report explains how Pets Best insurance works, coverage options and more. Also, we point out some important pros and cons that may prove to be decisive factors for you.

There are a few key components to consider when choosing a pet insurance provider and plan. As you read this article, It may be helpful to take notes on the following points.

  • What type of coverage do you want?
  • Is your dog’s breed predisposed to certain health conditions that you want to cover?
  • what can you pay

Now let’s start.

pets best


  • No age limits or restrictions
  • Thorough coverage
  • Some of the lowest prices in the industry
  • Offers an accident-only plan

Visit PetsBest.com

How does Pets Best Insurance work?

  1. You pay a monthly or annual premium to maintain your dog’s insurance coverage.
  2. That Waiting times must pass before your dog is completely covered.
  3. If your pup becomes sick or injured (after your wait times), visit the vet.
  4. You can Submit claims through your online account, the app, by post, email or fax. Claims must be submitted within 180 days the service date.
  5. If your claim is approved, you will receive the refund via direct deposit or check.

You may also have the opportunity to do so Let Pets Best pay your vet directlyso you can avoid paying a hefty vet bill and waiting for reimbursement. This isn’t available everywhere, so talk to your vet and Pets Best about it before you plan to use it.

Pros and Cons of Pets Best

pets was best established in 2005, is underwritten by the American Pet Insurance Company and has a proven track record in providing claims payments to its customers. The company is praised for this competitive prices, good customer service and no lifetime claim limitation but she currently takes longer than most to process and refund claims.

advantages Disadvantages
No lifetime restrictions on any plan The waiting time for claim reimbursement is longer than the industry average
Consistently lower premiums compared to other companies for excellent coverage $2 transaction fee waived if you pay annually or if you live in MD or AK
Offers numerous customer support options including phone, live chat, and email Alternative and holistic therapies are excluded from coverage
Access a veterinarian by phone at any time through your account
No age limits for new registrations, but puppies must be at least seven weeks old
Various deductible and reimbursement options are available, as well as two wellness plans
Offers a 5% discount for multi-pet households and military members and their families

What types of plans does Pets offer best?

French bulldog being held by a veterinarian
Pets Best has Accident Only plans, Accident and Sickness plans, and Wellness plans.

Accident Only Plan

Pets Best’s Accident Only plan covers accidental claims such as broken bones, swallowing foreign objects, torn nails, etc. As one of only four national providers to currently offer an accident-only option, these types of plans are excellent choices for people who want a true contingency plan to keep costs down, do it cheaper than accident and sickness plans. They’re also great for pets with pre-existing medical conditions that would be excluded from an accident and illness plan.

The Accident Only Plan is not customizable and includes the following coverage:

  • $10,000 annual withdrawal limit
  • $250 deductible
  • 90% refund

It has a flat rate of $9 per month for dogsand there is one three day wait before the cover can be applied. One thing to note is this Ligament tears are not covered in this plancommonly covered in the accident-only plans of other pet insurance companies.

Accident and sickness plan

Pets Best’s Accident and Sickness plan covers everything included in the Accident Only plan, plus sickness-related claims such as allergies, cancer, arthritis, vomiting and diarrhea, and more. These plans are the most comprehensive. Pets must be be at least seven weeks old when they start schooland there are no upper age limit.

Accident and sickness plans are customizable easier to fit into your budget. You can choose your deductible, payout, and refund from the options below.

Excess Options Withdrawal Options refund options
$50
$100
$200
$250
$500
$1,000
$5,000
Unlimited
70%
80%
90%

Your monthly premium depends on your dog’s breed, age, place of residence, previous illnesses, etc. It’s best to get your dog enrolled in insurance sooner or later so you can try to avoid pre-existing disease exclusions.

waiting times

Pets Best has the following wait times before cover for a condition kicks in.

  • Diseases: 14 days
  • accidents: 3 days
  • cruciate ligament: 6 months
  • hip dysplasia: 14 days

wellness plan

Wellness plans are not insurance plans. Instead they are optional supplements to pet insurance to cover preventative costs associated with routine medical care. Annual vet exams can cost $300 or more depending on the vet, location, required vaccines, required tests, and more. These plans can also help you pay for monthly preventive measures like heartworm and flea and tick treatments. Wellness plans can help you plan for routine expenses throughout the year Instead of creating a large vet bill that you have to pay in one go.

Two wellness plans are available through Pets Best one-day waiting times.

Essential Wellness BestWellness
price per month $16 ($14 in WA) $26 ($30 in WA)
Spay/neuter – teeth cleaning $0 $150
rabies $15 $15
Flea/Tick Prevention $50 $65
Heartworm prevention $30 $30
Vaccination/titer $30 $40
Wellness exam $50 $50
Heartworm test from FELV Screen $25 $30
Blood, feces, parasite test $50 $70
microchip $20 $40
Urinalysis or ERD $15 $25
deworming $20 $20
Annual totals $305 $535

frequently asked Questions

Pet insurance documents
Here are some of the most frequently asked questions about Pets Best.

Do Pets Best Ask for Medical Records?

Your dog’s complete medical records will most likely be present requested when you submit your first claim. This helps them to check whether a condition already exists or not.

How is the refund calculated?

Pets Best calculates claims payments by multiplying the total reimbursable amount by your reimbursement percentage and then subtracting the annual deductible. This is also called “Co-payment then deductible” refund method.

(Total Reimbursable Amount x Reimbursement Percentage) – Annual Deductible = Reimbursement Amount

Another method some providers use is the deductible and then the co-payment, but at Pets Best the above equation is what you should expect unless your specific policy states otherwise.

Final Thoughts

Sure, there are dozens of pet insurance companies to choose from, so why should Pets Best be your choice? Pets Best Deals extensive coverage at a competitive price for many pet parents. Before signing up for insurance coverage, Read your policy carefully to make sure you know what is included and what is excluded from the cover and that you agree to the terms.

Remember it Pre-existing conditions are not covered by any providertherefore, any medical condition that you have taken your dog to the vet for in the past is most likely excluded from coverage.

Remember, it’s always a good idea Get quotes from multiple pet insurance providers to see how the cost and coverage compare. Just because a company is usually among the lowest priced doesn’t mean it always has the best value for money, or that it will be the lowest she. And a low price is only good if the coverage suits your individual needs, so read the policy carefully before signing up.

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