Pets Best Pet Insurance Overview
Pets Best offers both accident-only and accident and illness coverage for dogs and cats. Their plans feature customizable annual limits, deductible options, and reimbursement levels. The company stands out for its relatively low premiums and optional direct vet pay feature.
Key Benefits
- Comprehensive coverage with optional wellness add-on
- Direct vet payment available with participating veterinarians
- Unlimited coverage option available
- Multi-pet and military discounts available
- Coverage available in all 50 states and Washington, DC
Coverage Details
Pets Best’s accident and illness plans offer various coverage levels:
- Essential Plan: Basic coverage for accidents and illnesses
- Plus Plan: Adds accident and illness exam fees coverage
- Elite Plan: Includes coverage for rehabilitative treatments, acupuncture, and chiropractic care
The company offers two wellness plans: EssentialWellness and BestWellness, which cover various preventive care services.
Cost and Customization
Premiums are based on factors such as pet age, breed, location, annual limit, deductible, and reimbursement level. For example, a 2-year-old French Bulldog in New York City could cost $58.68 monthly for the Essential plan.
Claims Process
Pets Best offers a direct vet pay option, allowing reimbursement to be sent directly to the veterinarian. Customers can also pay upfront and file for reimbursement online, through the mobile app, or by fax/email.
Customer Reviews and Ratings
Pets Best has a 4-star rating on Trustpilot. Customers praise the claims process but criticize the appeals process. The company is underwritten by United States Fire Insurance Company and Independence American Insurance Company, which have varying complaint index scores.
Alternatives
Other pet insurance options include:
- Figo Pet Insurance: Offers 100% reimbursement option and an “Extra Care Pack” with additional benefits
- Healthy Paws Pet Insurance: Unlimited annual coverage with no lifetime limits, but higher premiums
- Trupanion Pet Insurance: Comprehensive plan with 90% reimbursement, but generally more expensive than Pets Best
Conclusion
Pets Best pet insurance offers comprehensive coverage with affordable premiums and customizable plans. While it has strict eligibility requirements and doesn’t cover preexisting conditions, it remains a viable option for many pet owners. Potential customers should carefully review the policy details and consider their pet’s specific needs before enrolling.
