Essential Information
Company: Pets Best Insurance Services, LLC
Founded: 2005
Headquarters: Boise, Idaho
Coverage Options: Accident-only, accident and illness, wellness
Deductibles: $50, $100, $250, $500
Reimbursement: 70%, 80%, 90%
Waiting Periods: 14 days for accidents, 14 days for illness, 6 months for cruciate ligament injuries
Exclusions: Pre-existing conditions, cosmetic procedures, elective surgeries
Pros and Cons
Pros
- Excellent customer satisfaction ratings: Pets Best consistently receives high ratings from customers on platforms like ConsumerAffairs and Trustpilot.
- Wide range of coverage options: Pets Best offers a variety of plans to meet different needs and budgets, including accident-only, accident and illness, and wellness coverage.
- Multiple deductible and reimbursement options: Customers can choose from a range of deductibles and reimbursement percentages to customize their coverage and premiums.
- Quick and easy claims process: Pets Best uses an online claims portal and mobile app for easy claim submission and tracking.
Cons
- Higher premiums than some competitors: Pets Best premiums can be slightly higher than some other pet insurance providers, especially for certain breeds and age groups.
- Limited coverage for pre-existing conditions: Pets Best only covers pre-existing conditions if they were diagnosed and treated before purchasing the policy.
- Exclusions for certain breeds: Some breeds, such as certain giant breeds, may be excluded from coverage or have limited coverage options.
Comparisons
Pets Best VS Embrace Pet Insurance
| Feature | Pets Best | Embrace Pet Insurance |
|---|---|---|
| Coverage Options | Accident-only, accident and illness, wellness | Accident-only, accident and illness |
| Deductibles | $50, $100, $250, $500 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 60%, 70%, 80%, 90% |
| Waiting Periods | 14 days for accidents, 14 days for illness, 6 months for cruciate ligament injuries | 14 days for accidents, 3 days for illness |
| Exclusions | Pre-existing conditions, cosmetic procedures, elective surgeries | Pre-existing conditions, cosmetic procedures, elective surgeries |
Pets Best VS Trupanion Pet Insurance
| Feature | Pets Best | Trupanion Pet Insurance |
|---|---|---|
| Coverage Options | Accident-only, accident and illness, wellness | Accident and illness |
| Deductibles | $50, $100, $250, $500 | $0, $50, $100, $250, $500, $750 |
| Reimbursement | 70%, 80%, 90% | 90% |
| Waiting Periods | 14 days for accidents, 14 days for illness, 6 months for cruciate ligament injuries | 3 days for accidents, 30 days for illness |
| Exclusions | Pre-existing conditions, cosmetic procedures, elective surgeries | Pre-existing conditions, cosmetic procedures, elective surgeries |
Tips and Tricks
- Compare quotes from multiple providers. This will help you find the best coverage and rates for your needs.
- Consider your budget and coverage needs. Some plans may offer lower premiums but less coverage, while others may offer more comprehensive coverage but higher premiums.
- Read the policy carefully before purchasing. Make sure you understand the terms and conditions of the policy, including any exclusions or limitations.
- File claims quickly. Submitting claims promptly will help you get reimbursed faster.
Conclusion
Pets Best Pet Insurance offers a variety of coverage options, reasonable premiums, and excellent customer service. However, it is important to compare quotes from multiple providers to find the best coverage and rates for your needs.
How to Step-by-Step Approach
Getting a Quote
- Visit the Pets Best website or call their customer service line.
- Provide information about your pet, including their breed, age, and health history.
- Select the coverage options that you want.
- Get a quote and compare it to other providers.
Filing a Claim
- Submit a claim form online or through the mobile app.
- Attach receipts for your veterinary expenses.
- Track your claim status online or through the mobile app.
