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Pets Best Insurance Reviews: Comprehensive Coverage or Cause for Paws?
By Ben Carter
9.1
Consumers Best Verdict: Pets Best Highlights
Pets Best offers a wide array of customizable pet insurance plans designed to meet diverse needs and budgets. With options for accident-only, accident and illness, and wellness add-ons, they aim to provide flexible financial protection for your dogs and cats.
Pets Best stands out for its highly flexible plan structures and straightforward claims process, including a direct vet pay option. While wellness add-ons require careful cost-benefit analysis, their core accident and illness coverage is comprehensive, making them a strong contender for many pet owners seeking reliable protection.
In-Depth Look: Pets Best Features & Considerations
Core Features & Consumer Benefits
Pets Best offers several features designed to provide peace of mind and financial support for your pet's healthcare needs.
Highly Customizable Plans
Tailor your coverage by choosing your annual limit, reimbursement percentage (70%, 80%, or 90%), and annual deductible, ensuring you only pay for the coverage you need.
Comprehensive Accident & Illness Coverage
Covers a wide range of veterinary procedures, including emergency care, surgery, hereditary conditions, cancer treatments, and prescription medications.
Optional Wellness Routines Coverage
Add routine care coverage for vaccinations, flea/tick prevention, and dental cleanings, helping manage predictable pet care costs.
Fast and Easy Claims Process
Submit claims online or via their mobile app, with many processed within days. A 24/7 vet helpline is also available for policyholders.
Direct Vet Payment Option
In many cases, Pets Best can pay your veterinarian directly, reducing your upfront out-of-pocket expenses (availability depends on the vet).
Important Considerations & Potential Downsides
- Waiting Periods Apply
Like most insurers, Pets Best has waiting periods for accidents (e.g., 3 days), illnesses (e.g., 14 days), and specific conditions like cruciate ligament issues (e.g., 6 months).
- Wellness Add-On Value
While useful, the EssentialWellness and BestWellness routine care add-ons may not be cost-effective for all pets or all covered services; calculate potential savings carefully.
- Annual Limits
While customizable, some plans may have lower annual limits than competitors offering unlimited options. Ensure your chosen limit adequately covers potential high-cost treatments.
- Pre-existing Conditions Not Covered
Standard industry practice, but important to note that conditions occurring before policy inception or during waiting periods are excluded.
