For many pet parents, caring for a furry companion goes far beyond food and affection—it includes ensuring access to quality healthcare. Veterinary costs, however, can quickly become overwhelming, especially in emergencies. This is where Pets Best steps in, offering pet insurance designed to ease financial stress while prioritizing your pet’s well-being.
A Brief Background
Pets Best is a pet insurance company founded in 2005 by veterinarian Dr. Jack Stephens, a pioneer in the pet insurance industry. His mission was simple yet powerful: to prevent “economic euthanasia,” where pets are denied treatment due to financial limitations. Over the years, the company has grown significantly, insuring hundreds of thousands of pets and processing billions in claims.
How Pets Best Works
At its core, Pets Best operates on a reimbursement model. Pet owners pay for veterinary care upfront and then submit claims to get reimbursed for eligible expenses. Depending on the plan, the company can cover up to 90% of vet bills, helping reduce the financial burden of unexpected illnesses or accidents.
One standout feature is the flexibility in coverage. Pets Best offers multiple plan types, including:
- Accident-only plans for basic coverage
- Accident and illness plans for comprehensive protection
- Optional wellness plans for routine care like vaccinations and checkups
This allows pet owners to customize policies based on their budget and their pet’s needs.
Coverage and Benefits
Pets Best covers a wide range of medical conditions, including emergencies, surgeries, cancer treatments, hereditary conditions, and even prescription medications. The more advanced plans also include exam fees and rehabilitation therapies.
Another advantage is the ability to visit any licensed veterinarian in the U.S. or Canada, giving pet owners freedom of choice. Additionally, Pets Best offers a 24/7 pet helpline, providing access to veterinary advice whenever needed.
A particularly notable feature is the option for direct vet payment in some cases, reducing the need for large upfront payments. This is not common among all pet insurers and can be a major benefit during emergencies.
Pricing and Flexibility
Pets Best is known for offering competitive pricing. On average, plans cost around $52 per month for dogs, though prices vary based on breed, age, and coverage level. Pet owners can also choose deductibles, reimbursement levels (70%, 80%, or 90%), and annual coverage limits, including unlimited options.
There are also discounts available, such as multi-pet discounts, making it more affordable for households with multiple animals.
Pros and Cons
Like any service, Pets Best has its strengths and limitations.
Pros:
- Comprehensive coverage options
- Flexible and customizable plans
- High reimbursement rates
- No upper age limit for enrollment
- Access to any licensed veterinarian
Cons:
- Does not cover pre-existing conditions
- Routine care requires an add-on plan
- Waiting periods apply before coverage begins
Final Thoughts
Pets Best stands out as a strong contender in the pet insurance market due to its flexibility, comprehensive coverage, and customer-focused features. Whether you’re a new pet owner or someone with multiple pets, having a reliable insurance plan can make a significant difference in managing unexpected medical costs.
Ultimately, Pets Best offers more than just financial protection—it provides peace of mind. Knowing that your pet can receive the care they need, without the added worry of affordability, is something every pet parent can appreciate.
