Pets Best Insurance: A Comprehensive Guide

As a pet owner, you want to give your furry friend the best care possible. However, veterinary expenses can quickly add up, especially in case of an unexpected illness or injury. That’s where pet insurance comes in. Among the many options available, Pets Best Insurance is a popular choice for its comprehensive coverage and flexible plans. In this article, we will explore the ins and outs of Pets Best Insurance, answer frequently asked questions, and help you decide if it’s the right choice for your pet.

What is Pets Best Insurance?

Pets Best Insurance was founded in 2005 by Dr. Jack Stephens, a veterinarian who saw a need for affordable and comprehensive pet insurance. The company is based in Boise, Idaho, and offers policies in all 50 states. Pets Best Insurance is underwritten by American Pet Insurance Company, a member of the Nationwide family of companies.

Pets Best Insurance offers a range of plans to fit different budgets and coverage needs. Their policies cover accidents, illnesses, and routine care, and can be customized with optional add-ons such as coverage for hereditary and congenital conditions, alternative therapy, and prescription food.

Pets Best Insurance plans can be used at any licensed veterinarian in the US or Canada, and claims are processed quickly and efficiently.

What does Pets Best Insurance cover?

Pets Best Insurance offers comprehensive coverage for accidents, illnesses, and routine care. Depending on the plan you choose, your pet may be covered for the following:

Accidents
Illnesses
Routine care
Broken bones
Cancer
Annual exams
Poisoning
Diabetes
Vaccinations
Bite wounds
Arthritis
Spay/neuter
Cuts and lacerations
Heart disease
Dental care

Additionally, Pets Best Insurance allows you to add optional coverage for hereditary and congenital conditions, alternative therapy, and prescription food.

How much does Pets Best Insurance cost?

The cost of Pets Best Insurance depends on several factors, including your pet’s age, breed, and location, as well as the level of coverage you select. To give you an idea, here are some sample quotes for a one-year-old mixed breed dog in California:

Plan
Annual deductible
Reimbursement level
Monthly premium
Essential
$250
70%
$30.49
Plus
$250
80%
$47.62
Elite
$250
90%
$71.89

Note that these are only sample quotes and your actual premium may be different. Pets Best Insurance also offers a 5% discount for insuring multiple pets.

How do I make a claim with Pets Best Insurance?

Making a claim with Pets Best Insurance is quick and easy. Simply follow these steps:

  1. Download and fill out the claim form from the Pets Best Insurance website. You can also submit a claim online or through the mobile app.
  2. Attach all relevant medical records and receipts to the claim form.
  3. Submit the claim form and supporting documents to Pets Best Insurance via email, fax, or mail.
  4. Wait for Pets Best Insurance to process your claim. In most cases, claims are processed within 5 business days.
  5. Receive payment via direct deposit or check.

If you have any questions or need assistance with your claim, you can contact Pets Best Insurance’s customer service team via phone, email, or live chat.

Is Pets Best Insurance worth it?

Whether or not Pets Best Insurance is worth it depends on your individual needs and circumstances. Here are some factors to consider:

  • Your pet’s age and breed: Older pets and certain breeds may be more prone to illnesses and injuries, making insurance more valuable.
  • Your budget: Pet insurance can help you avoid unexpected and potentially expensive vet bills, but it does come at a cost.
  • Your risk tolerance: If you are comfortable with the risk of paying for vet bills out of pocket, then insurance may not be necessary.

If you do decide to get pet insurance, Pets Best Insurance is a solid choice. Their plans are flexible and customizable, and their claims process is efficient and reliable.

FAQ

What is the waiting period for Pets Best Insurance?

Pets Best Insurance has a waiting period of 14 days for illnesses and 3 days for accidents. This means that any claims related to an illness that occurs within 14 days of the start of your policy will not be covered, nor will claims related to an accident that occurs within 3 days.

Is there a limit to how many times I can claim with Pets Best Insurance?

No, there is no limit to the number of claims you can make with Pets Best Insurance. However, there may be limits to the amount of coverage you have for certain conditions or treatments, so be sure to review your policy carefully.

Can I cancel my policy with Pets Best Insurance?

Yes, you can cancel your policy with Pets Best Insurance at any time. However, keep in mind that you may be subject to cancellation fees or other penalties, depending on the terms of your policy.

Does Pets Best Insurance cover pre-existing conditions?

No, Pets Best Insurance does not cover pre-existing conditions. However, they do offer coverage for conditions that are curable or manageable, even if your pet has a history of them.

Do I need to take my pet for a medical exam before getting insurance?

No, Pets Best Insurance does not require a medical exam or any pre-existing condition exclusions. However, they may request medical records or have your pet examined in case of a claim.

Can I use any veterinarian with Pets Best Insurance?

Yes, you can use any licensed veterinarian in the US or Canada with Pets Best Insurance. There are no restrictions on which vets you can visit.