Pets Best Insurance Review
About Pets Best Insurance
Pets Best was founded in 2005 by Dr. Jack Stephens, the veterinarian known for initially introducing pet insurance to North America in 1981 (and offering a pet insurance policy to Lassie in 1982). Pets Best allows you to visit any licensed vet anywhere in the world, with the option of filing claims electronically, by mail, phone or fax. Average reimbursement period ranges from two to five business days.
Reimbursements cover from 70 to 100 percent of the vet bill, depending on your chosen plan, but it doesn’t cover the annual deductible, taxes and additional fees for waste disposal or other activities that don’t require oversight by a licensed vet. It may also only cover limited amounts for specific procedures or surgeries.
The BestBenefit dog insurance plan provides comprehensive coverage for emergencies, accidents, illness, cancer and, in most states, hereditary and congenital conditions. You also have the option of paying an additional premium for the BestWellness plan add-on which covers teeth cleaning, bloodwork, certain vaccinations and other routine visits and procedures.
A limited Accidents Only plan is also available for limited budgets, although it only covers incidents such as snake bites, broken bones and other unforeseen mishaps.
Pets Best can start insurance coverage for bulldog puppies as young as 7 months old and continue coverage for the lifetime of your pet. Annual coverage limits range from $5,000 to $10,000 while certain conditions, such as cancer, may have lifetime limits on the coverage.
What Does Pets Best Offer English Bulldogs?
Premium Pets Best plans cover many of the common bulldog ailments, including hip dysplasia as well as hereditary and congenital conditions – in most states. Bulldog owners who live in Florida or South Carolina need to note the company offers only limited coverage for hereditary conditions and no coverage for congenital conditions in those states. This fact is essential due to the wide range of hereditary and congenital conditions from which bulldogs often suffer.
Illnesses such as allergies, arthritis and skin and ear infections are covered, a big plus since these are common ailments for bulldogs. Many prescription medications are covered for your bulldog, although vitamins, supplements and special diets are not.
Plans cover chiropractic care, acupuncture, physical therapy and hydrotherapy, which can be helpful for bulldogs suffering from certain conditions, but policy holders are not reimbursed for any herbal, holistic or experimental therapies and medications. Surgeries are covered unless they are considered elective, such as tail docking or tail amputation. Bulldog pregnancies are not covered in any state, yet pregnancy care is covered for many other breeds.
The biggest caveat for bulldog owners considering Pets Best plans may be the annual and lifetime limits that cap the maximum amount of money you can be reimbursed for either a single year or a specific condition. Because bulldogs may suffer from chronic conditions and have the highest cancer rate among breeds, those limits may be reached rather quickly, leaving the owner responsible for a large portion of the treatment costs.
Pets Best Coverage Summary
In most states, Pets Best provides coverage for congenital and hereditary conditions common among English Bulldogs. This coverage is not available in Florida and South Carolina.
Deductibles vary by plan, with different options that allow you to set your own deductible.
Depending on the condition or procedure, Pets Best reimbursements may be based on the actual veterinary bill or according to a set amount determined by the company. Reimbursements do not cover taxes on your vet bills or fees for services not performed by a licensed vet.
Annual claim limits apply across the board, while a lifetime claim limit applies to certain conditions, such as cancer.
Pets Best has many high ratings for customer service, although several very low ratings bring their overall score down to an 8.7/10 lifetime rating by pet insurance review. Several complaints refer to the cost and consistency of coverage. Some report regular unexplained increases in the cost of their insurance, while others report inconsistent claim coverage which appears to change from one procedure to the next.
Pets Best Q & A
?I prefer a veterinarian who specializes in English Bulldogs. Does Pets Best offer me the flexibility to choose my own vet?
AYes, Pets Best allows its members to visit any licensed veterinarian or animal hospital.
?Are there any exclusions or limitations to coverage that could apply to my Bulldog?
AYes, Pets Best has a 12-month waiting period before coverage begins on the following conditions: Cruciate Ligament Injuries, Luxating Patellas, Hip and Elbow Dysplasia, Cardiovascular Defects, Osteochondritis Dissecans (joint disease), and Portosystemic Shunts (blood vessel abnormalities). Unfortunately, 5 out of 6 conditions on this list are common in English Bulldogs, which lowered our overall rating for Pets Best.
?Does Pets Best pay for regular vet visits and routine checkups?
ANo, for routine care such as annual checkups, blood work and teeth cleaning, members would have to add BestWellness routine care coverage for an additional cost.
?My English Bulldog responds well to massage and chiropractic care. Do Pets Best plans include alternative care treatments?
AMost Pets Best plans include coverage for alternative care treatments like chiropractic care, physical therapy, hydrotherapy and massage. However, the basic, entry-level plans do not include alternative care coverage.