Pets Best Pet Insurance
Pets Best tries to be your pet's best friend and it shows in the way the pet insurance company serves its' customers. Pets Best was founded in 2005 by Dr. Jack Stevens who is also known as the 'father' of North America's pet insurance industry who launched the first pet insurance company in the region back in 1981.
Pets Best strives to help pet owners become financially prepared to help their pet receive the veterinary care they need when they need it. The company is committed to delivering quality insurance coverage, prompt claims payments and an unmatched level of customer service.
Besides an excellent staff of customer service representatives, the company has other competitive assets, including an affordable plan, an easy application process, and up to 100% reimbursement.
Coverage and Benefits
Pets Best provides top quality coverage for dogs, assisting with medical expenses related to illnesses, injuries, surgeries, hereditary and congenital conditions, prescription medications, cancer treatments, physical rehabilitation and more. If you want to choose your own vet, this is the policy for you, as it allows you to do just that. You can take your pet to any licensed veterinarian in the world with this policy. You can also track your account using their online monitoring tool.
Thanks to their comprehensive coverage plan and multiple levels of coverage, you can customize your plan for your pet based on their needs or condition.
If you think your pet will need routine care, you might want to consider adding BestWellness. BestWellness can be added to any premium for added coverage that will help you pay for your pet's regular and expected medical expenses along with routine check-ups and teeth cleanings. BestWellness pays up to certain limits depending on the medical expenses and requires no annual deductible. For instance, this routine care plan will pay up to $50 for your dog or cat's annual exam, up to $100 for a spay or neuter service, and up to $100 per teeth cleaning session. You can find out about what other services BestWellness will help you cover by visiting the Pets Best website.
When it comes to specialized coverage, Pets Best offers Accident Only coverage for unexpected instances and conditions like broken legs, accidental swallowing, snake bites and more. One drawback that this policy has is that it doesn't cover congenital conditions or parasites which can be considered typical among many breeds, especially rescued animals. Many pet owners are aware of how important it is to have this type of coverage considering that it is very difficult to know about congenital defects when the animal first enters your home.
Consumer reviews on sites like Yelp often praise Pets Best for their customer service and quick claims processing. However, there are several reviews that say claims processing was long and difficult. Whether or not claims are processed quickly may vary from case to case but at least one interesting thing can be seen on the Yelp consumer review page. On each negative review, a representative from Pets Best has commented, offering information concerning their issues and contact details for more customer service. Most of the information is fairly basic but this does show that their customer service goes the extra mile.
Another possible negative about this company is that they have a 12-month waiting period for coverage for about seven medical conditions including: cruciate ligament injuries, luxating patellas, hip and elbow dysplasia, and cardiovascular defects.
However, the waiting period can be waived if your animal is examined by a veterinarian within 30 days of your policy start date and it's determined that they don't have any signs or symptoms of those conditions.
Pets Best offers flexible coverage plans for dogs and cats starting at just $19 per month. You can get a free quote through their website and customize it to fit your preferences. Prices for puppy, dog, kitten, and cat insurance depend on a variety of factors like age, breed, location etc.
However prices are very affordable and can start at less than $1 per day. The low plan prices Pets Best offers allows more room in customers' budgets to enroll their animal in a BestWellness plan for additional coverage for routine expenses. If dog owners utilize each and every financial benefit offered by BestWellness with a calendar year, they'll save up to $505 and cat owners will save up to $565. Pets Best claims to provide a quick and efficient claims process that lasts only 2-5 business days but that could vary depending on your situation. It's best to call their customer service department to discuss their claims process in detail.
How the Insurance Works
After you select a plan and enroll, there are a few things you'll need to know about using your insurance. There are short waiting periods that you must abide by. The waiting period for accidents is three days and 14 days for illnesses and BestWellness.
When you visit the veterinarian and submit a claim to Pets Best, they'll reimburse you up to 70%, 80%, 90% or even 100% of the bill after you meet your annual deductible. The nice thing about this company is that they offer a direct deposit option for your reimbursement so you can receive it quickly and avoid dealing with any checks that you could misplace.
Current and potential customers can contact the customer service department at Pets Best 6 days out of the week to discuss coverage options and plans and ask questions for clarity on anything. Pets Best also offers a convenient customer care center on their website that allows customers to log in and review their policy, add animals, file a claim, or download documents.
Verdict - Very Good
Despite Pets Best's top-quality customer service, the company is not the best pet insurance out there because of myriad conditions it does not cover. Plus, you must upgrade to a pricier plan to get a higher annual coverage plan. The plan discounts along with the ability to waive your waiting period might balance out the costs and coverage limitations. All these reasons justify the 4-star rating.