If you’re a pet owner, you know that your furry friend is an important part of your family. When they get sick or injured, you want to do everything in your power to help them get better. However, the cost of veterinary care can be prohibitively expensive, and many people find themselves in the difficult position of having to choose between their pet’s health and their finances.
That’s where pet health insurance comes in. Just like human health insurance, pet health insurance can help alleviate the financial burden of unexpected veterinary expenses. Pets Best Health Insurance is one of the leading providers of pet health insurance in the United States, offering comprehensive coverage for dogs and cats of all ages and breeds. In this article, we’ll take a closer look at what Pets Best has to offer, and how it can help you keep your pet healthy and happy.
What is Pets Best Health Insurance?
Pets Best Health Insurance was founded in 2005 by veterinarian Dr. Jack Stephens, who recognized the need for affordable, accessible pet health insurance in the United States. Today, the company is headquartered in Boise, Idaho, and provides coverage throughout the country.
Unlike many other pet health insurance providers, Pets Best offers a variety of customizable plans that allow you to choose the level of coverage that best fits your pet’s specific needs. Whether you’re looking for basic accident and illness coverage or comprehensive coverage that includes routine care, Pets Best has a plan that can work for you.
How does pet health insurance work?
Like human health insurance, pet health insurance requires you to pay a monthly premium in exchange for coverage of your pet’s medical expenses. When your pet needs veterinary care, you’ll pay your veterinarian directly for the services rendered, and then submit a claim to your insurance provider for reimbursement.
Most pet health insurance providers have a waiting period of several days to several weeks before coverage begins, so it’s important to sign up for coverage as soon as possible. Additionally, some providers may exclude certain pre-existing conditions from coverage, so be sure to read the fine print before signing up.
What does Pets Best Health Insurance cover?
Pets Best offers a range of coverage options, from basic accident and illness coverage to comprehensive coverage that includes routine care. Here’s a closer look at what each plan includes:
Essential Wellness
The Essential Wellness plan is Pets Best’s most basic plan, offering coverage for accidents and illnesses. This plan includes coverage for the following services:
Service |
Coverage |
|---|---|
Accidents |
Up to 90% reimbursement for eligible expenses |
Illnesses |
Up to 90% reimbursement for eligible expenses |
Emergency care |
Up to 90% reimbursement for eligible expenses |
Surgery |
Up to 90% reimbursement for eligible expenses |
Basic Wellness
The Basic Wellness plan includes all of the coverage of the Essential Wellness plan, plus coverage for routine care. This plan includes coverage for the following services:
Service |
Coverage |
|---|---|
Accidents |
Up to 90% reimbursement for eligible expenses |
Illnesses |
Up to 90% reimbursement for eligible expenses |
Emergency care |
Up to 90% reimbursement for eligible expenses |
Surgery |
Up to 90% reimbursement for eligible expenses |
Preventive care |
Up to $335 per year for eligible expenses |
Complete Wellness
The Complete Wellness plan includes all of the coverage of the Basic Wellness plan, plus expanded coverage for routine care. This plan includes coverage for the following services:
Service |
Coverage |
|---|---|
Accidents |
Up to 90% reimbursement for eligible expenses |
Illnesses |
Up to 90% reimbursement for eligible expenses |
Emergency care |
Up to 90% reimbursement for eligible expenses |
Surgery |
Up to 90% reimbursement for eligible expenses |
Preventive care |
Up to $535 per year for eligible expenses |
Dental care |
Up to $375 per year for eligible expenses |
How much does Pets Best Health Insurance cost?
The cost of pet health insurance varies depending on several factors, including your pet’s breed, age, and overall health. Pets Best offers competitive pricing for its coverage, and allows you to customize your plan to fit your budget.
As an example, let’s take a look at the cost of coverage for a 2-year-old Labrador Retriever in California:
Plan |
Monthly premium |
Deductible |
Reimbursement level |
|---|---|---|---|
Essential Wellness |
$29.10 |
$250 |
90% |
Basic Wellness |
$49.53 |
$250 |
90% |
Complete Wellness |
$72.71 |
$250 |
90% |
As you can see, the cost of coverage can vary significantly depending on the level of coverage you choose. However, when you consider the potential cost of veterinary care for unexpected illnesses or injuries, pet health insurance can be a smart investment.
Why choose Pets Best Health Insurance?
There are many pet health insurance providers out there, so why choose Pets Best? Here are a few reasons:
Customizable coverage
Pets Best offers a variety of coverage options that allow you to choose the level of coverage that best fits your pet’s needs and your budget. Whether you’re looking for basic accident and illness coverage or comprehensive coverage that includes routine care, Pets Best has a plan that can work for you.
No network restrictions
Pets Best allows you to visit any licensed veterinarian in the United States, so you don’t have to worry about whether your preferred veterinarian is in-network.
Fast claims processing
Pets Best offers fast, easy claims processing through its online portal or mobile app. Claims are typically processed within 5-7 business days, and many claims are processed on the same day.
Frequently Asked Questions
Is pet health insurance worth the cost?
It depends on your individual circumstances. If you have a young, healthy pet, you may not need pet health insurance right away. However, if you have an older pet or a breed that is prone to certain health conditions, pet health insurance can be a smart investment. Additionally, if you want the peace of mind of knowing that you can afford unexpected veterinary expenses, pet health insurance is a good option.
What does pet health insurance cover?
Pet health insurance can cover a variety of expenses, including but not limited to: accidents, illnesses, emergency care, surgery, and routine care. The level of coverage depends on the plan you choose.
Are there any exclusions or limitations to pet health insurance coverage?
Most pet health insurance providers exclude pre-existing conditions from coverage. Additionally, some providers may have restrictions on coverage for certain breeds or conditions. It’s important to read the fine print before signing up for coverage.
Is there a waiting period before coverage begins?
Most pet health insurance providers have a waiting period of several days to several weeks before coverage begins. This is to prevent people from signing up for coverage only when their pet is sick or injured.
How do I submit a claim?
Each pet health insurance provider has its own claims process. Pets Best allows you to submit claims through its online portal or mobile app. You’ll need to provide information about the services rendered, including the date of the visit, the name and address of the veterinarian, and the charges incurred.
How long does it take to receive reimbursement?
Each pet health insurance provider has its own claims processing timeline. Pets Best typically processes claims within 5-7 business days, and many claims are processed on the same day. Reimbursements are typically issued within 2-3 business days after a claim is approved.
The Bottom Line
Pets Best Health Insurance is a reputable pet health insurance provider that offers customizable coverage for dogs and cats of all ages and breeds. Whether you’re looking for basic accident and illness coverage or comprehensive coverage that includes routine care, Pets Best has a plan that can work for you. With fast claims processing and no network restrictions, Pets Best is a great choice for pet owners who want the peace of mind of knowing that they can afford unexpected veterinary expenses.