Having a pet isn’t just about giving them love, care, and company; it’s also about making sure they’re safe and healthy and keeping your money safe. Unexpected medical bills can quickly put a strain on your finances, putting you in a tough spot. That’s where pet insurance comes in, giving you a safety net to help pay for medical care.
Pets Best is one of the best pet insurance companies because it offers a wide range of plans and is dedicated to making sure its customers are happy. We’ll get into the specifics of Pets Best insurance in this review, looking at its plans, prices, and total value.
Pets Best Insurance Plans and Coverage
Pets Best has different insurance plans so that everyone can find one that fits their wants and budget. These are their main plans:
- Accident-Only Plan: This plan covers accidents, such as broken bones, animal bites, swallowed foreign objects, open cuts, and injuries that are very bad.
- Comprehensive Accident and Illness Plan: This plan covers accidents and illnesses, such as cancer, genetic conditions, and regular care.
Pets Best also has two extra health plans that can be added on top of these main plans:
- EssentialWellness: This plan covers basic preventive care like shots, spaying or neutering, and keeping fleas and ticks away.
- RecommendedWellness: This plan covers more preventive care, like yearly checkups, dental care, and blood tests.
Pets Best’s coverage is pretty broad, covering a lot of different care costs, such as
- Hospitalization: This covers the price of staying at a vet hospital overnight.
- Surgery: This covers the costs of surgeries, such as drugs and care after the surgery.
- Emergency Care: This type of insurance covers the costs of quick and emergency care, such as for injuries and illnesses that could kill you.
- Diagnostic Tests: This plan pays for diagnostic tests like X-rays, ultrasounds, and blood tests.
- Prescription Drugs: This plan pays for prescription drugs that a vet prescribes.
Pets Best Insurance Rates
Pets Best has reasonable prices that change based on things like the pet’s age, breed, location, and the plan picked. Accident-only plans for cats start at about $6 a month and for dogs at about $9 a month. Accident and sickness plans that cover everything start at about $35 a month for cats and $58 a month for dogs.
For an extra monthly fee, wellness plans can be added to either main plan. BestWellness costs about $26 a month, and EssentialWellness costs about $16 a month.
Pets Best Insurance Discounts for Pets
Pets Best has a number of deals that can help lower the cost of pet insurance. Some of these deals are:
- Multi-Pet Discount: If you insure more than one pet with the same insurance, you can save up to 15% on each pet’s premium.
- Discount for Military: People in the military and soldiers can get a 5% discount on their monthly premiums.
- Veterinary Staff Discount: Veterinary techs, assistants, and other staff members who qualify can get a 10% discount on their monthly premiums.
- If you pay your payments all at once or once a year, you can save up to 5% on your monthly premiums.
Customer Reviews of Pets Best Insurance
Customers have mostly good things to say about Pets Best. On TrustPilot, the company has an average rate of 4.2 out of 5 stars. Customers like how quick and helpful the company’s customer service is, how well it covers everything, and how easy it is to file cases.
But some customers are worried about the company’s high prices and the long claims process where some claims are turned down. Before you decide, you should read the policy terms carefully and compare Pets Best’s prices and coverage to those of other pet insurance companies.
A Look at Pets Best Insurance as a Whole
The company Pets Best has been helping cat owners for a long time and has a good reputation. Their wide range of coverage options, reasonable prices, and extra savings make them a good choice for pet owners who want to protect their furry friends financially.
There have been some bad reviews, but most of the feedback from customers is positive, which means that Pets Best offers a good level of service. On the other hand, you should always look at more than one pet insurance company to find the best one for your wants and budget.
What kind of pet insurance is best?
The amount of pet insurance that is best for you will depend on your needs and budget. Pet insurance comes in three main types:
- Accident-only insurance includes things like broken bones, animal bites, and swallowed objects. For the least amount of money, this is the most basic type of pet insurance.
- Accident and illness insurance covers both accidents and illnesses, such as regular care, diseases that run in the family, and cancer. It costs more, but this kind of insurance covers more things than accident-only insurance.
- The most complete type of pet insurance covers all of your pet’s medical costs for their whole life, even if they were there before the insurance started. This kind of insurance costs the most, but it might be worth it if your pet has a long-term illness or is likely to get one in the future.
The pros and cons of each type of cat insurance are shown in the table below:
|Type of pet insurance
|Does not cover illnesses
|Accident and illness insurance
|Covers all medical expenses for your pet’s lifetime
In the end, talking to your vet is the best way to figure out what kind of pet insurance is best for you. They can help you figure out what kind of coverage is best for your pet and your budget.
Here are some additional factors to consider when choosing pet insurance:
When picking pet insurance, here are some more things to think about:
- How old your pet is: Older pets are more likely to get long-term illnesses, so they may need more complete coverage.
- The breed of your pet: Some breeds are more likely to get certain illnesses than others.
- Your yearly budget for vet care: If you already spend a lot on vet care, you might want to think about a bigger plan.
- Your financial situation: Getting pet insurance can be a good idea, but you should make sure you can pay the monthly fees.
You can start comparing pet insurance plans from different companies once you’ve thought about all of these things. It’s important to read the small print to know what’s covered and what’s not. Also, don’t forget to ask if there are any deals you can get.
Should you get pet insurance?
You should think about your own situation to decide if pet insurance is a good idea or not. To help you decide if pet insurance is right for you, here are some of the pros and cons:
Pros of having pet insurance:
- Protecting your finances: Pet insurance can help you pay for your pet’s unexpected medical costs, like surgery, cancer treatment, or care for a long-term sickness. People who don’t have a lot of funds or whose pets get sick can use this to save their lives.
- There is peace of mind in knowing that your pet is financially protected. This lets you make the best decisions about their health care without having to worry about how much it will cost.
- Preventive care: Some pet insurance plans cover things like teeth cleanings, vaccinations, and spaying or neutering to keep your pet healthy. You can save money on these important preventive care services this way.
Cons of having pet insurance:
- Cost: Pet insurance can be pricey, especially for older pets or pets that already have health problems. You’ll have to compare the cost of the fees to the money you might save on vet bills.
- In most pet insurance plans, there is a deductible. This is the amount of money you have to pay out of pocket before the insurance company starts to pay you back. It’s possible to deduct anywhere from a few hundred dollars to a few thousand dollars.
- As part of some pet insurance plans, you may also have to pay a portion of the vet price after the deductible has been met. This is called coinsurance. The amount of coinsurance you pay can be anywhere from 10% to 30%.
- Conditions that your pet already had before you bought the insurance: A lot of pet insurance plans don’t cover conditions that your pet already had before you bought the insurance. On the other hand, this could be a big problem if your pet gets sick later on.
To help you decide if pet insurance is right for you, here are some more tips:
- Meet with your vet. Talk to your vet about your pet’s health, how it lives, and any possible risks. They can help you figure out what kind of pet insurance is best for your needs and tell you how likely it is that your pet will need expensive medical care.
- You should look at pet insurance plans from several companies to find the one with the best prices and coverage for your pet.
- Pay close attention to the small print: Before you buy pet insurance, read the terms and conditions of each plan very carefully. Read the fine print to make sure you know what is and isn’t covered, as well as any limits or exceptions.
- You should think about your budget. Pet insurance can cost a lot, so remember to include the payments in your budget for your pet’s care.
- Pet insurance rates usually go up every year, so it’s important to make sure you’re still getting the best coverage for your needs and budget by renewing your policy every year.
Does pet insurance cover death?
Yes, pets can have life insurance, but not as often as they have health insurance. Death and theft insurance is another name for pet life insurance. People usually buy it for working pets like show dogs, racehorses, or dogs that are bred. You can also buy it for expensive pets like purebred dogs or cats.
In the event that your pet dies or is stolen, pet life insurance will pay to replace its worth. The money can also be used to pay for the funeral. The pet’s buying price, breeding value, or show record are often used to figure out the death benefit.
Rates for pet life insurance depend on the pet’s age, breed, health, and worth. The rates can be high, especially for pets that are older or already have health problems.
How much does dog insurance cost?
Pet insurance for a dog in the US costs about $55 a month for an accident and sickness plan that covers everything. The real cost of dog insurance, on the other hand, can vary a lot based on things like the dog’s age, breed, location, and the coverage type you pick.
The average cost of pet insurance for a dog is shown below, broken down by age:
- $40 to $50 a month for puppies 0 to 6 months old
- $35 to $45 a month for young dogs (7 to 12 months old).
- $50 to $60 a month for adult dogs (1 to 7 years old)
- $65 to $75 a month for dogs 8 years old and up
It costs about the same to insure a dog of each breed, as shown below:
- $55 to $65 a month for purebred dogs
- $45 to $55 a month for mixed-breed dogs
This shows how much pet insurance for a dog costs on average in different places:
- $60 to $70 a month in cities
- $45 to $55 a month in rural areas
It costs about the same to insure a dog for the following types of things:
- $9 to $12 a month for accident-only insurance
- $50 to $60 a month for accident and illness insurance
You will have to pay a monthly fee and a deductible every time your dog needs to go to the vet. Before your insurance company starts to pay you back, you have to pay a certain amount of money first. This is called the deductible. Most of the time, deductions are between $250 and $1,000.
Pets Best Insurance has a variety of plans and types of coverage to meet the needs of all pet owners. They are a strong competitor in the pet insurance market thanks to their low prices, extra deals, and good customer reviews. But before making a choice, it’s important to think about what your pet needs, compare different companies, and read the policy details carefully.
How much does Pets Best cost to cover?
There are several things that affect how much Pets Best insurance costs, such as your pet’s age, breed, location, and the coverage type you pick. But the average monthly cost for a cat is $35 and the average monthly cost for a dog is $55.
Is Pets Best insurance worth it?
Pets Best insurance may or may not be worth it for you depending on your unique situation. Pets Best insurance might be a good choice for you if you are worried about the high cost of medical care and want to know that you are financially protected for your pet’s health.
What is the process for making a claim with Pets Best?
You can make a claim with Pets Best insurance over the phone, online, or by mail. You will need to show proof that you took your pet to the vet and their medical papers.
How long does it take for Pets Best to handle a claim?
Pets Best usually takes 5 to 7 working days to handle claims.
What kinds of deals does Pets Best have?
Pets Best has a number of deals, such as
- Multi-pet discount: If you get insurance for more than one pet through Pets Best, you can save up to 15% on each pet’s payment.
- Discount for military: People in the military and soldiers can get a 5% discount on their monthly premiums.
- Veterinary staff discount: Veterinary techs, assistants, and other qualified staff can get a 10% discount on their monthly premiums.
- If you pay your bills all at once or once a year, you can save up to 5% on your monthly premiums.
What do you need to do to be eligible for Pets Best insurance?
Pets Best covers all kinds of cats and dogs, no matter their age, breed, or health. People of any age or breed can join. But pets that already have health problems might not be able to get coverage or might only get limited treatment.
Which things does Pets Best insurance not cover?
Pets Best insurance doesn’t cover the following things:
- Conditions that were there before you bought the insurance: Pets Best does not cover conditions that were there before you bought the insurance.
- Accidents caused on purpose: Pets Best does not cover accidents that were caused on purpose, like when an animal ran away or fought with another animal.
- Care for your pet that isn’t medically necessary: Pets Best doesn’t pay for care for your pet that isn’t medically necessary, like cosmetic surgery that you choose.
How much is Pets Best insurance worth if you want to get rid of it?
If you decide to cancel your Pets Best insurance coverage, you will get some money. This is called the surrender value. How much the policy is worth now is based on how much you have paid in fees and how long you have had it.
Is it possible to stop my Pets Best insurance?
You can end your Pets Best insurance plan whenever you want. But you might have to pay a fee to give up the item.
How is the Pets Best insurance customer service?
Pets Best is known for having great customer service. TrustPilot gives the business 4.2 out of 5 stars. Customers have said good things about the company’s quick responses, friendly staff, and wide range of services.
In general, Pets Best is a good company that offers different plans for cat insurance. The business has reasonable prices, deals, and good reviews from customers. But before you buy a policy, you should think about what your pet needs, look at plans from different companies, and read the small print.
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