Pets Best Insurance Review (2024)

#1 Coverage Details

Illness and Accident Coverage

Pets Best offers extensive coverage for accidents and illnesses, including hospitalization, surgery, diagnostic testing, and more. The coverage applies to common injuries and illnesses, as well as more severe conditions, ensuring that pet owners are protected against unexpected costs.

Wellness and Preventive Care

With the optional BestWellness plan, Pets Best provides coverage for routine and preventive care, including vaccinations, flea/tick prevention, dental cleanings, and annual exams. This add-on is ideal for pet owners who want regular health expenses covered.

Chronic and Hereditary Conditions

Pets Best covers hereditary and congenital conditions, including chronic illnesses such as diabetes or allergies, without specific breed restrictions. This comprehensive approach makes it appealing for owners of breeds prone to genetic health issues.

Alternative Therapies

Alternative care options, including acupuncture and chiropractic treatments, are covered under Pets Best policies, offering flexibility for pet owners interested in holistic treatments.

#2 Cost and Deductible Options

Premiums and Deductibles

Pets Best offers a wide range of deductible options, from $50 to $1,000, allowing customers to customize plans based on their budget and coverage needs. Monthly premiums vary by breed, age, and location but are competitive compared to similar providers.

Reimbursement Rates and Limits

Pets Best provides reimbursement options of 70%, 80%, and 90%, which helps pet owners control out-of-pocket expenses. Annual coverage limits are flexible, with options up to unlimited coverage, making Pets Best a solid choice for high-cost treatments.

#3 Claims Process and Payout Speed

Claims Submission

Pets Best offers a straightforward claims submission process, available through their online portal or mobile app. Pet owners can upload invoices, and the digital process reduces paperwork and time spent on claims.

Average Payout Time

Claims are typically processed within 5 days, and Pets Best offers direct deposit options for reimbursements, so pet owners get reimbursed quickly.

Direct Vet Payment Options

While direct payment to veterinarians isn’t standard, the quick claims payout time helps minimize out-of-pocket expenses for pet owners.

#4 Exclusions and Waiting Periods

Waiting Periods

Pets Best has a standard 14-day waiting period for illnesses and a 3-day waiting period for accidents, which is competitive in the industry. For certain conditions, such as cruciate ligament injuries, a six-month waiting period applies.

Coverage Exclusions

Pets Best does not cover pre-existing conditions, cosmetic procedures, or breeding-related costs. However, once a pet’s health issue has been treated and resolved, it may not be considered pre-existing if it recurs after a period of stability.

#5 Customer Support and Service Quality

Support Availability

Pets Best offers customer support via phone, email, and a helpful online FAQ section. Their team is available Monday through Friday, and their website includes resources for frequently asked questions.

User Satisfaction and Reviews

Pets Best generally receive positive feedback from customers, especially regarding ease of use, flexibility, and quick claims processing. They also offer a mobile app, which simplifies the management of policies and claims.

#6 Policy Flexibility and Customization Options

Plan Adjustments

Pets Best allows pet owners to choose coverage limits, deductible amounts, and reimbursement levels to fit their specific needs and budgets. Adding or removing the wellness plan is easy, making it a highly customizable choice.

Multi-Pet Discounts and Renewal Terms

Pets Best provides a 5% discount for insuring multiple pets. Premiums may adjust at renewal due to pet age, but coverage remains comprehensive without reduction.

#7 Value-Added Features

Extra Perks

Pets Best includes end-of-life expenses, such as euthanasia, and behavioral therapy coverage, adding additional value for owners who want comprehensive care for all life stages.

Mobile App and Digital Access

Their mobile app is intuitive, allowing users to easily manage policies, submit claims, and check claim status, making it a convenient choice for tech-savvy pet owners.

#8 Conclusion

Pets Best stands out for its flexibility, wide range of coverage options, and quick claims processing. The availability of preventive care add-ons, coverage for hereditary and chronic conditions, and customer-friendly policy terms make it an excellent choice for pet owners seeking comprehensive insurance. The customization options ensure pet owners can tailor the plan to suit their budget, while the multi-pet discount and end-of-life coverage offer added value. Pets Best’s commitment to quick claims payouts and customer support makes it a trustworthy provider of pet insurance.