Pets Best offers flexible plans to help you find the right one for your budget. Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment.
Pets Best Insurance Company was founded in 2006 by self-proclaimed pet lovers with over 30 years of experience working in the insurance industry. Pets Best is a privately held company, independent of other pet health insurance providers and their parent companies. Pets Best Insurance is financially stable and has been profitable every year since inception.
Pricing varies based on your pet's breed and age, however Pets Best offers a number of price points and options. Accident-only insurance, for example, can be as little as $6 per month. It’s important to determine what risk factors your pet may have when you’re selecting the level of coverage that is appropriate for your household. Like with a human, you don’t want to be over or under insured for your pet’s risk factors.
Pets Best offers everything from accident only plans to those with unlimited coverage. What plan is right for you is a personal choice, but here are some things to consider.
Accident only plan - Pets Best’s accident only plans can be a good option for those on a budget that are looking to protect their pet against unforeseen accidents. This type of policy will generally offer coverage for pets that accidentally swallow something (I’m looking at you dog that likes to eat plastic bags full of bread), or pets that suffer a bite after becoming a little too curious about that snake on your daily walk. These plans won’t cover illnesses like cancer though.
Standard Plans - These plans will typically offer coverage for illnesses like cancer or hereditary and congenital conditions (though you must be sure to opt in to hereditary coverage). These coverages may not be available to you if you opt out now and your pet is diagnosed with a congenital disease at a later date. Be sure to weigh your options when determining what policy and risk level you’re comfortable with long term. You’ll also have the option of choosing between multiple deductible amounts and copay levels to help you create a plan that fits your budget.
Routine Care - This coverage can only be added to an existing policy, but it can help cover preventative care. This can help take the sting out of vet visits for vaccinations, blood worth, and keeping those chompers clean.
Pets Best is able to offer dog insurance starting as low as $9 a month for accident only coverage. Dog insurance policies are available through Pets Best that cover cancer and diagnosis expenses, pre-existing coverage is not offered, and your pet must not be diagnosed with cancer during the waiting period.
Pets Best provides cat insurance in eligible states and can cost as little as $6 a month for a basic accident only policy.
The consensus on the popular web forum Reddit is that Pets Best may take some time to pay claims and have a reported track record of raising prices on renewal. Facebook's users report a similar story, with claims that the claim process is not smooth, but that claims are eventually paid. @Pets Best, the company’s Twitter account, also garners similar user feedback. If you’re okay with reports of a cumbersome claims process, we didn’t see any other red flags.
Heading over to the BBB doesn’t paint a better picture for this pet insurer. The BBB has recognized a pattern of related complaints related to Pets Best claims processing, which mirrors the feedback on social media.
While the company has an overwhelmingly positive level of feedback, we will issue this word of caution - multiple users report that policies and coverage have changed over the years. This isn’t surprising given how young the company is. Creating a policy that provides consumers with value while also remaining profitable is a balancing act. This does not overly concern us, but it is something that you should weigh if you don’t want to be going through the quote process again in the event that your policy changes in the near term.
Getting a quote with Pets Best is fast and easy and can be done online in 5 minutes or less. This includes your pet’s name, age, breed and whether they are spayed or neutered. You’ll also need to supply your contact information.
Once all the relevant information is supplied, Pets Best will match you with policy options for both Wellness and Emergency Insurance (if available in your state) so that you can compare and select the choice that is right for you. The process is clean and simple, but if you need more time to decide your quote is valid for up to 30 days.
Overall, we like the positive consumer experiences reported throughout social media. It’s not easy to find an insurance company that isn’t getting down voted on the interwebs. Couple that with flexible policy options at affordable entry points for pricing, and we’d say that Pets Best is definitely worth considering as you look to protect your furry friend.
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