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Fido just ran out the door onto the road and the worst has just happened. He got hit by a car. You immediately rush him to the vet for emergency care, thankfully he’ll live. After surgery and some casts for his broken bones, he will heal in a few months. Although he will heal, your bank account is hurting bad and may not recover for a lot longer. Thousands of dollars in vet bills are causing struggles and you are beating yourself up about not signing up for pet insurance sooner.
Don’t let this be you. Accidents happen, we all know this. So why do we get health insurance for ourselves but neglect to purchase it for our pets? They are our family too and their bills can rack up just as easily. Protect your pet and your bank account with pet insurance. We’re going to look into Pets Best pet health insurance, our #3 pick for Best Dog Insurance, and go over what they do and don’t cover in addition to pros, cons, and more to help you see if they’re a good choice for you.
What Is And Isn’t Covered by Pets Best?
|Covered by Pets Best||Not Covered by Pets Best|
|Diagnostic treatment and testing (x-rays, blood tests, etc.)||Food, special diets, supplements, vitamins|
|Injuries||Holistic therapies and medications|
|Vaccinations, teeth cleaning, wellness visits, spay/neuter|
|Wellness visits (preventative or routine care) |
|Veterinary exam or office visit fees|
|Euthanasia (for humane reasons)|
We have gathered some sample prices from Pets Best insurance for their accident and illness coverage plan. You have the option to choose your deductible, either $50, $100, $200, $500 or $1,000. You can choose your reimbursement level as well: 70%, 80% or 90%. And for annual coverage limit you can choose $5,000, $10,000 or unlimited. Below are the prices for random breeds in various locations with different limitations.
|Breed||Labrador Retriever (male)||Yorkshire Terrier (female)||Golden Retriever (male)||Mixed Breed Cat (female)|
|Age||4 Months||4 Years||2 Years||2 Years|
|Location||Miami (33114)||New York City (10006)||San Francisco (94107)||Chicago (60615)|
|Price Per Month||$38.90||$46.47||$33.78||$12.17|
Our readers have access to an exclusive PetsBest discount of 5% off BestBenefit plans for the first year! Just use this link to get started (Eligible in all states except AK, HI and TN and does not apply to accident only plan or wellness rider).
Essential Option Plan
The Essential Option has an annual limit of $5,000. It covers emergencies only so things like broken bones or even cancer are covered. It does not cover any routine care, vet visit or exam fees, rehab care, acupuncture or chiropractic treatments.
BestWellness Routine Care Coverage
This plan costs around $20/month (varies by breed, age, location, etc.). It can be added to most plans to help pay for your pet’s wellness. For dogs, you can get up to $505 in annual benefits with no deductible. Below is a list of the limits associated with this plan.
- Annual Exam – $50
- Microchip – $25
- Spay/neuter – $100
- Teeth cleaning – $100
- Blood panel – $60
- Heartworm test – $25
- Fecal test – $15
- Urinalysis test – $25
- Canine flu vaccination – $15
- Rabies vaccination – $15
- DHLP vaccination – $15
- Parvo/Corona vaccination – $10
- Bordatella vaccination – $10
- Lyme vaccination – $15
- Flea, tick and heartworm prevention – $25
Accident Only Plan
The Accident Only plan has no lifetime limit, a $250 deductible and reimbursement rate of 90%. It covers accidents only (as the title suggests) so things like broken bones are covered. It does not cover any illnesses, routine care, acupuncture or chiropractic treatment. This plan has a flat rate of $9/month for dogs and $6/month for cats.
- Bite (animal, insect, snake)
- Hit by car or moving vehicle
- Foreign body ingestion requiring surgical intervention
- Bone fracture
- Laceration, cut, abrasion
- Torn nail
- Medical problems directly attributable to accidental injury
Note: ACL injuries and hip dysplasia are not covered in this plan.
Positive Pets Best Reviews
I’ve had pets best for close to 3 years and I will never switch companies. I have 2 pups on there with a $50 deductible and 80% reimbursement for pretty cheap. They’re very understanding and actually care about the dogs. They understand what it’s like to go through hard times with your dog. – Tiana M., Yelp 2/27/2016
I am in my second year with Pets Best and am satisfied with their coverage. I have not had to use the policies yet (I have 6 dogs insured with them). If potential customers would actually read the policy documents, all waiting periods and other disclaimers are very clear in the documents. Prices did increase at my first renewal, but it was reasonable as my dogs age. – James W., BBB 5/13/2015
Negative Pets Best Reviews
I’ve been with them for a year. I went in on my one year to date with my dog having a limp. They won’t cover his surgery or any of his visits even with the 12 month waiting period. Stay far far away from this scam of a company. I talked to the supervisor and she was useless. – Christina P., Yelp 4/12/2016
We purchased insurance for our dog. The insurance company assured us that they would help when and if our dog got sick. Our dog of 14 years did get sick and passed away. Pets best paid $8 of a $3300 bill and then they told us to submit the burial bill and they refused that to. So be aware that they will not pay or even help to pay. With what we paid them we could have paid most of the bill ourselves. It’s a shame that we had to go through this. But that is the world we live in. I just wanted other people to be aware of pets best. It’s a bad deal. Thank you. Sisters loved ones. – S.W., BBB 2/8/2016
PetsBest has a 12 month waiting period for Cruciate Ligament Injuries (ACL), Luxating Patellas, Portosystemic Shunts, Elbow Dysplasia, Hip Dysplasia, Osteochondritis Dissecans and Cardiovascular Defects. However, if you have your pet examined by a vet within 30 days and he/she is determined to be in good health you can waive that 12 month period. We definitely recommend doing this so you can have full coverage on these seven conditions sooner than later.
To know more about ACL injuries in dogs, checkout this video.
What Stands Out for Pets Best Insurance?
Overall, the main things that stand out are their low prices. They have the lowest prices when it comes to pet insurance. As always, be sure to run your own specific quotes, but from what we found, they were always among the lowest. They have waiting periods like most pet insurance companies and for the most part they aren’t too long. Although if your dog does suffer an ACL injury or develops hip dysplasia there is a 12 month waiting period, which is longer than we’d like it to be but at least they cover it. They offer great coverage and have really stepped it up the past couple years. If you’re interested in how Pets Best Insurance stacks up against other pet insurance carriers, check out our Dog Insurance Reviews page to see the results.
What features do you like or dislike about PetsBest Health Insurance?