Common Questions About New Plan Options

Learn About Improvements to Your Policy

What improvements will I see to my plan?

1.) Hereditary and congenital conditions are now covered up to your plan's annual limit, after your deductible has been met. Sub-limits for these conditions have been removed.†

2.) Behavioral and pregnancy services are now covered up to your plan's annual limit, after your deductible has been met.††

3.) Euthanasia and cremation services no longer have a separate deductible to meet, and are also covered up to your plan's annual limit.

4.) Our BestBenefit plans offer reimbursement levels of 70%, 80%, 90% and 100%, plus annual deductibles in $50 increments from $0 - $1,000, so you have more control over how much you spend each month, and how much you spend out-of-pocket when your pet needs vet care.

5.) We now offer Cancer Only, Accident Only and Feline Illness Only plans which may be ideal for pet owners with senior pets or limited budgets. These plans can also be added to any BestBenefit plan for additional coverage of specific conditions.

6.) BestWellness optional routine coverage now includes microchip benefits ($25 for dogs and $20 for cats, annually) and a $15 canine influenza vaccine benefit for dogs, annually.

A deductible is the amount that must be paid out of pocket before insurance reimbursement begins. Pets Best Insurance plans have per-incident deductibles, which means the deductible must be met for each separate incident. An incident is defined as a specifically identifiable accident or illness. Recurring and/or chronic conditions are considered as one incident.

Can I still insure my older pet?

Yes. Pets Best has no upper age limits, and we don’t reduce or cancel coverage based on a pet’s age.

Can I still get a multi-pet discount?

Yes, in states where allowed by law, we offer automatic discounts when you enroll up to 9 pets.

  • 5% discount on all plans when you insure 2 – 5 pets
  • 2% discount on all plans when you insure 6 – 9 pets 

Do you still cover prescription medications?

Yes. Please see our list of covered medications.

Will I file claims the same way?

Yes. You can still file claims online, by fax or by mail. We will continue to process most claims within 5 business days, and we still offer free direct deposit reimbursement.

Will my price go up if I file claim?

No. Your plan price is not affected by whether or not you've filed claims.


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Hereditary and congenital conditions diagnosed prior to the start of your new policy term are deemed pre-existing and will not be covered by the improvements to your policy. Exceptions may apply, please contact Pets Best Customer Care for more information.



††Pregnancy and behavioral issues diagnosed prior to the start of your new policy term are deemed pre-existing and will not be covered by the improvements to your policy. Our plans include pregnancy coverage for most breeds. Please see our list of breeds not covered for pregnancy.