Pets Best Insurance:
|Plan||Accidents and Illness||Deductible (per incident)||Max age limit to sign on||Lifetime cover||Price per month|
|Accident Only (20%)||$1500/incident, $10000 lifetime. Accidents ONLY||$100||none||Yes, upto incident and lifetime limit||Phone for quote. Generally for pets that already have pre-exisiting conditions|
|Pets Basic (20%)||$2500/yr, $42500 lifetime||$100 or 250 or 500||none||Yes||Dog: $ 9.37-28.43 Cat: $7.12-14.95|
|Pets First (20%)||$7000/yr, 100000lifetime||$100 or 250 or 500||none||Yes||Dog: $ 21.94-51.51 Cat: $16.69-26.43|
|Pets Premier (20%)||$14000/yr, 100000 lifetime||$250 or 500||none||Yes||Dog: $ 39.06- 67.53 Cat: $27.08-33.85|
Detailed coverage Chart for Pets Best Insurance
|Accident Only||Pets Basic||Pets First||Pets Premier|
|Vet fees Accident and Illness||$1500/incident, $10000 lifetime. Accidents ONLY||$2500/yr, $42500 lifetime||$7000/yr, 100000lifetime||$14000/yr, 100000 lifetime|
|Routine Care||-||Optional with BestWellness||Optional with BestWellness||Optional with BestWellness|
|Hereditary Conditions (if enrolled before age 2)||-||$500/lifetime||$1000/lifetime||$2500/lifetime|
|Hip dysplasia||-||Included if enrolled before age 2||Included if enrolled before age 2||Included if enrolled before age 2|
|Death (replacement cost of pet)||-||-||-||-|
|Euthanasia, Cremation or burial||-||$200/lifetime||$300/lifetime||$400/lifetime|
|Boarding (if owner hospitalized)||-||-||-||-|
|Holiday (trip cancellation)||-||-||-||-|
|Cover Abroad||ANYWHERE in the world||ANYWHERE in the world||ANYWHERE in the world||ANYWHERE in the world|
|Dental (not teeth cleaning)||yes||$100 teeth cleaning if you get BestWellness||$100 teeth cleaning if you get BestWellness||$100 teeth cleaning if you get BestWellness|
|Alternative treatment||yes||$150/year (chiropractic and acupuncture only)||$250/year (chiropractic and acupuncture only)||$500/year (chiropractic and acupuncture only)|
|Medical devices (ex. Wheelchair for dog)||yes||yes||yes||yes|
|Lost/Stolen pet adds||-||-||-||-|
|Third party liability||-||-||-||-|
|Accidental Damage (tenant coverage)||-||-||-||-|
|Grooming and Bathing||-||-||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||-||-|
Some Common Questions:
Lifetime insurer (will they cover on going conditions throughout pets life)?
Yes. The lifetime maximum is very high, so it is pretty much the same as an annual coverage plan. Their accident plan has a lower lifetime limit though.
If you want to better understand Lifetime Pet Insurance, check out this page!
7% multiple pet.
7% annual payment.
You can only use one discount or the other.
Any vet or specific vets only? After hours vets or in home vets?
Any vet, including emergency vets. Your pet is covered ANYWHERE in the world with Pets Best Insurance.
Can the vet be paid directly?
If your vet agrees.
If not, How quickly are claims processed?
Cheques are processed and written within 5 business days.
They do offer direct deposit as well (at no extra charge), this takes 2-3 business days.
Does Pets Best Insurance cover examination fee (if it relates to the injury or illness)?
Pregnancy coverage with Pets Best Insurance excludes some breeds.
Do I stop getting coverage as my dog ages?
Only as much as the maximum lifetime claim amount.
Does age affect monthly price (as my dog gets older will the monthly premium go up)?
Yes, but not too much (perhaps 75c to 1.00 when you renew each year).
Do they put the monthly price up every year? By how much?
It goes up 25cents to $1.5. perhaps 75c to 1.00 when renew on average.
Do they serve all of USA? Is the monthly amount more depending on where I live?
Yes and Yes (breed and age of pet also affect your monthly premium).
Illness, and Wellness (routine care)- 14 day waiting period.
Accident= 3 day waiting period.
Do rates increase with more claims/penalized for filing more claims?
Yes, however, they may also go down if you file fewer claims.
Maximum lifetime claim amount?
Pets Basic- $42500 lifetime.
Pets First, Pets Premier - $100000lifetime.
What is the co-pay?
20% co-payment with Pets Best Insurance
If you refer a friend and they keep the plan for 35 days or more, then you will get points you can use as gift cards. Some states do not offer this, and so, for these states, that money will be donated to the Morris Animal Foundation.
Money back guarantee?
14 days and haven’t filed a claim.
What Pets Best Insurance doesn’t cover - claims that are directly or indirectly related to:
• Pets under 7 weeks old.
• Pre-existing conditions (unless it’s cured).• Treatment not recommended by a vet.
• Pets Best Insurance do not cover Pregnancy for the following breeds:Dog breeds: Bulldog, French bulldog, Boston Terrier, Chihuahua, Pug, Dachshund, Lhasa Apso, Maltese, Pekinese, Pomeranian, Schipperke, Shih-Tzu, Tea cup poodle, West Highland Terrier, Yorkshier Terrier. Cat Breeds: Himalayan, Persian.
Pets Best Insurance DO have coverage for activities that result from: racing, breeding, hunting, law enforcement.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.
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Pet Insurance Terminology - all the complicated terminology explained simply and easily.