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COMPANY PROFILE
- Company: Pets Best Insurance
- Market Share: 4.5%*
- Insurance Underwriter: Aetna Insurance Company of Connecticut
- Underwriter A.M. Best Insurance Rating: A
- Headquarters: Boise, Idaho
- Year Founded: 2005
- Leadership: Greg McDonald
THIRD PARTY REVIEWS
- BBB Rating: A+
- BBB Accredited? Yes
- BBB Complaints Last 12 Months: 9
- BBB Complaints Last 3 Years: 33
- Avg Pet Insurance Review Score: 8.3**
- Total Pet Insurance Reviews: 455**
- Facebook Page: 12,621 like this
- Twitter Page: 1,823 Followers
- AAHA Accepted? Yes
- NAPHIA Member? Yes
POLICY & SERVICE HIGHLIGHTS
- Dog Insurance & Cat Insurance Available? Yes
- Customizable Deductible & Co-Payment? Yes
- Per Incident Deductible? Yes
- Annual Deductible? No
- Hereditary & Congenital Coverage Available? No (only limited hereditary coverage available if your pet is enrolled before 2nd birthday)
- Wellness & Routine Care Coverage Available? Yes
- Alternative Therapies Coverage Available? Yes (accupuncture and chiropractic only)
- Pre-Existing Conditions Coverage? No
- Benefits Schedule? No
- Per Incident Limit? $7,000
- Annual Benefit Limit? None
- Lifetime Benefit Limit? $100,000
- Minimum Age for Coverage: 7 weeks
- Maximum Age for Coverage: None, however pet must be younger than 2 in order to receive limited hereditary coverage
- Cruciate Ligament & Orthopedic Policy: 12-month waiting period, bilateral coverage, no congenital issues are covered, which includes patellar luxation, hereditary conditions such as hip dysplasia, elbow dysplasia and osteochondritis dissecans are also considered pre-existing and are not covered
- Policy Exclusions: See full policy exclusions below
- Waiting Period: 3 days for accidents, 14 days for illnesses wellness/routine care coverage
- Claims Reimbursement: 14 days for a check, 2 days for direct deposit
- Multiple Pet Discount: 7%
- Vet Policy: Use any licensed veterinarian in the U.S.
- Phone: 1-877-738-7237
- Hours of Operation: Mon - Fri: 6:00 am - 3:00 pm EST, Sat: 8:00 am - 12:00 pm EST
- Trial Offer: 14 days
- Click Here To Get Pets Best Pet Insurance Quotes
ADDITIONAL POLICY & COVERAGE DETAILS
- All plans reimburse 80% of the vet bill
- Offers pet health insurance for both dogs and cats
- Per Incident Deductible – all plans have a per incident deductible, which means the deductible must be met for each separate accident or illness, recurring or chronic conditions are considered as one incident
- Behavioral coverage available
- Pets Best offers three different pet insurance plans:
- Pets Basic
- Per incident deductible: $100, 250 or 500
- Per incident limit: $2,500
- Maximum benefit: $42,500
- Hereditary conditions maximum benefit (must be enrolled before age 2) $500**
- Behavioral conditions maximum benefit $200
- Pregnancies maximum benefit (some breeds excluded*) $300
- Burial or Cremation maximum benefit $200
- Acupuncture and Chiropractic Services maximum benefit $150****
- Emergency visits
- Surgeries
- Cancer treatments
- Medication injections
- Hospitalization
- Outpatient care
- MRI, Cat and X-ray
- Lab tests
- Specialist care
- Prescription medications
- Pets First
- Per incident deductible: $100, 250 or 500
- Per incident limit: $7,000
- Maximum benefit: $100,000
- Hereditary conditions maximum benefit (must be enrolled before age 2) $1,000**
- Behavioral conditions maximum benefit $300
- Pregnancies maximum benefit (some breeds excluded*) $400
- Burial or Cremation maximum benefit $300
- Acupuncture and Chiropractic Services maximum benefit $250****
- Emergency visits
- Surgeries
- Cancer treatments
- Medication injections
- Hospitalization
- Outpatient care
- MRI, Cat and X-ray
- Lab tests
- Specialist care
- Prescription medications
- Pets Premier
- Per incident deductible: $250 or 500
- Per incident limit: $14,000
- Maximum benefit: $100,000
- Hereditary conditions maximum benefit (must be enrolled before age 2) $2,500**
- Behavioral conditions maximum benefit $400
- Pregnancies maximum benefit (some breeds excluded*) $500
- Burial or Cremation maximum benefit $400
- Acupuncture and Chiropractic Services maximum benefit $500****
- Emergency visits
- Surgeries
- Cancer treatments
- Medication injections
- Hospitalization
- Outpatient care
- MRI, Cat and X-ray
- Lab tests
- Specialist care
- Prescription medications
- Breeds Excluded from Breeding and Pregnancy Coverage*
- Dogs
- Bulldog
- French Bulldog
- Boston Terrier
- Chihuahua
- Pug
- Dachshund
- Lhasa Apso
- Maltese
- Pekingese
- Pomeranian
- Shih-Tzu
- Silky Terrier
- Tea Cup Poodle
- West Highland
- Terrier
- Yorkshire Terrier
- Cats
- Himalayan
- Persian
- Best Wellness - Additional Coverage
- Monthly rate $22/mo. (Dogs) $22/mo. (Cats)
- Deductible $0 $0
- Annual benefits max $480 $545
- Annual Exam $50 $50
- Spay/Neuter $10 $100
- Teeth Cleaning $100 $100
- Blood Panel $60 $60
- Heartworm Test $25 $25
- Fecal Test $15 $15
- Urinalysis $25 $25
- Felv Test (leukemia) $0 $60
- Vaccines/Inoculations $10-25 $10-25 (depends on treatment)
- Policy Exclusions:
- Pre-Existing Conditions – any illness or injury that begins before policy is effective or during waiting period, injuries that heal and require no further treatment are covered, animals with serious ongoing conditions are only eligible for accident only coverage
- Congenital Conditions – considered pre-existing
- Hereditary Conditions – limited coverage, only if purchased before age 2**
- Cruciate Ligament Injuries***** – not covered in first 12 months of policy, injuries after first 12 months are covered, not considered bilateral which means if there is a tear in the left knee the right knee would not become a pre-existing condition
- Parasites***
- Preventable Conditions – vaccinations e.g. kennel cough
- Elective Procedures*** – e.g. nail clipping, declawing, tail docking
- Food, special diets or vitamins***
- Routine dental cleaning***
- Pregnancy in certain breeds*
- Herbal, Holistic and Alternative Therapies – Acupuncture and Chiropractic Services****
- Non-Veterinary Expenses – shipping, taxes, etc.
www.petinsurance.com*
As of 1/5/2012 www.petinsurancereview.com**
DISCLAIMER - This information is provided for general information and educational purposes only and is subject to change without notice. You should contact each Insurance provider for the latest information, availability of products and services and confirm all terms and conditions that apply before making a purchase decision. Except as expressly stated by PetInsuranceQuotes.com, no affiliation, endorsement or sponsorship of third party products and services is intended or implied.
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