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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 #2 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.
- No lifetime limits on any plan
- Great pricing for their Essential Plan (only covers emergency costs – not exam fees, rehabs or specialty care)
- A+ BBB rating and great response rate on Yelp
- Multiple forms of customer support: live chat, phone, email, FAQ
- Claim payment is typically made in less than 5 days (electronic claim filing, and direct deposit options)
- 30-day money back guarantee
- 5% multi-pet discount
- No age limits
- Pregnancy is covered for most breeds and euthanasia is covered (if for humane reasons)
- 6-month waiting period for CCL (ACL) injuries
- 14-day waiting period for Illness and Routine Care (if purchased) and three days for Accident
- $2 transaction fee (waived if pay annually)
- In recent years, Pets Best has changed its insurance carrier several times
- Behavioral and alternative/holistic therapies are not covered
What Is And Isn’t Covered by Pets Best?
|Covered by Pets Best||Not Covered by Pets Best|
|Illnesses||Elective and preventative procedures|
|Hereditary and congenital conditions||Non-veterinary expenses, food, special diets, vitamins and supplements|
|Emergency care, hospitalization and surgery||Herbal, holistic and experimental therapies and medications|
|Ongoing and chronic conditions|
|Prosthetic devices and wheelchairs|
|Coverage while traveling|
|Exam fees (optional)|
|Acupuncture and chiropractic treatments (optional|
|Physical rehabilitation (optional)|
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. Quotes are from April 2017.
|Breed||Labrador Retriever||Yorkshire Terrier||Golden Retriever||Mixed Breed Cat|
|Age||4 Months||4 Years||2 Years||2 Years|
|Location||Miami (33114)||New York City (10006)||San Francisco (94107)||Chicago (60615)|
|Price Per Month||$40.64||$62.43||$46.41||$11.73|
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, FL, HI and TN and does not apply to accident only plan or wellness rider). You can also visit our dedicated Pets Best promotions page to discuss current offers.
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.
Routine Care Coverage
Pets Best offers two routine care plans shown below in the table. Included are the amounts that Pets Best will pay up to for that specific routine care.
|Price Per Month||$16 ($14 in Washington)||$26 ($30 in Washington)|
|Spay/Neuter - Teeth Cleaning||$0||$150|
|Heartworm Test of FELV Screen||$25||$30|
|Blood, Fecal, Parasite Exam||$50||$70|
|Urinalysis or ERD||$15||$25|
|Total Annual Benefits||$305||$535|
Accident Only Plan
The Accident Only plan has a $10,000 annual 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
In the several years I have had my dog insured with Pets Best I haven’t had any problems. My vet said they have found them easy to deal with and pay fast. I insured my rescue years ago and now she has problems. Pets Best staff is friendly and answers the phone promptly. They have paid claims quickly and fairly. Their rates have gone up dramatically, but they still are fairly priced compared to others. I just don’t get all the problems people have. Maybe my good experience comes from insuring my dog when she was young and her problems didn’t start until she got older. That wouldn’t seem to account for so many unhappy people though. – Joyce M., Yelp 10/1/2016
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
My puppy was diagnosed with a patella injury on 2/24/17. The insurance company is refusing to pay on the claims relating to that because one time a couple weeks prior I called my day camp provider (attached to the vet) after a day of puppy day camp because he was mildly limping to ask if he had been injured that day. They said he hadn’t. The limping was gone later that evening and not observed at day camp or home again. The vet said that the limping incident was clearly unrelated to the patella injury. My claims are being denied because the insurance company is claiming pre-existing condition even though the vet says these 2 things have no relation. I am currently undergoing the appeals process. – Candice M., Yelp 3/17/2017
ABSOLUTE SCAM! STAY AS FAR AWAY AS POSSIBLE! Found out my Yorkie had Kidney Failure and the only piece of positive news was that I purchased pet insurance about a half a year earlier. After paying out of pocket for all treatments to save her life I find out all claims are denied because I took her to the vet a few months before purchasing the policy when she hurt her ankle!! THAT IS NOT A PRE-EXISTING CONDITION!! What’s even a bigger SCAM is why did they let me sign up and pay monthly premiums while knowing that they would DENY all future claims?? Furthermore, they kept trying to charge me premiums after finding out my dog had a TERMINAL DISEASE! UNETHICAL LYING CROOKS! I found out today that my dog now has stage 4 kidney failure and needs to go to the ER and be hospitalized at a rate of $1,800 for 24 hours.. if only I was smart and had purchased pet insurance ahead of time *sarcasm* – Jack, BBB 12/2/2016
PetsBest has a 6-month waiting period for Cruciate Ligament Injuries (ACL) and a 14-day waiting period for Luxating Patellas, Portosystemic Shunts, Elbow Dysplasia, Hip Dysplasia, Osteochondritis Dissecans and Cardiovascular Defects.
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 there is a 6-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?