So, you finally adopted a furry companion, and now you’re realizing vet bills aren’t exactly pocket change. You’re not alone. This is where coverage plans come into play. One of the most popular options? Pets Best. But does it live up to the hype?
We analyzed hundreds of Reddit discussions, reviewed customer feedback, and broke down everything, from coverage details to hidden clauses. Let’s get into it.
What Does This Coverage Actually Include?
Pets Best offers two core plans: accident & illness coverage and routine wellness add-ons. Here’s what they provide:
1. Accident & Illness Plan
This is the standard option that helps with unexpected medical expenses. It covers:
- Injuries: Broken bones, bite wounds, and poisoning.
- Chronic conditions: Long-term issues like arthritis or diabetes.
- Emergency visits: Trips to the vet for urgent care.
- Surgeries: Necessary operations due to injuries or illnesses.
- Diagnostic tests: MRIs, blood tests, and X-rays.
2. Wellness Add-Ons
For those who want routine care included, there are two wellness plans that cover:
- Annual check-ups
- Vaccinations
- Flea/tick prevention
- Dental cleanings
- Microchipping
It’s worth noting that wellness benefits are not included in standard policies—they must be purchased separately.
What’s NOT Covered?
Insurance providers always have exclusions, and this one is no different. Here’s what isn’t covered:
- Pre-existing conditions: If your furry friend has already been diagnosed with something, it won’t be included.
- Elective procedures: Cosmetic surgeries like ear cropping.
- Breeding-related costs: Pregnancy, fertility issues, and newborn care.
- Prescription food & supplements: Even if a veterinarian prescribes them.
What Reddit Users Are Saying
We took a deep dive into Reddit threads, and here’s what real users are saying:
The Positives
- Affordable compared to competitors: "Much cheaper than Trupanion and Healthy Paws." [Source]
- Quick reimbursements: "I submitted a claim and had my money back within a week!" [Source]
- Covers hereditary conditions: "My pup’s hip dysplasia was covered, which was a huge relief." [Source]
The Downsides
- Pre-existing conditions exclusions: "My dog had one ear infection, and now they won’t cover anything ear-related ever again." [Source]
- Claim delays: "Been waiting over a month for a claim decision." [Source]
Cost Breakdown: Is It Affordable?
Pricing varies based on breed, age, and location. Here’s what you can expect to pay:
- Dogs: $30–$50 per month
- Cats: $20–$40 per month
Adding routine care coverage will cost an extra $16–$26 per month.
Is This Insurance Worth It?
If you want a budget-friendly plan with solid coverage, Pets Best is a strong contender. However, if quick claims processing and minimal exclusions are top priorities, you may want to explore alternatives like Healthy Paws.
Who Should Consider It?
- Owners looking for affordability: It’s cheaper than many competitors.
- Those with young animals: Coverage is better before any conditions develop.
- Pet parents who want wellness benefits: Routine care options are available.
Who Might Want to Look Elsewhere?
- Owners of older pets: Premiums can increase significantly.
- Those who need rapid claims processing: Some users report delays.
- Pet parents dealing with pre-existing conditions: These won’t be covered.
Final Thoughts
Choosing the right plan for your companion is a big decision. This option offers solid coverage, but like all insurance, it’s not perfect. Be sure to compare quotes, read the fine print, and decide based on your needs.
Have experience with this provider? Share your thoughts in the comments!
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