Accident and Illness Pet Insurance Plans

All plans reimburse up to 80% of your vet bill for treatment related to accidents and illnesses, after a deductible. Here are some examples of what we cover:

• Emergency visits
• Hospitalization
• Specialist care

• Surgeries
• Outpatient care
• Prescription medications

• Cancer treatments
• MRI, CAT and X-ray
• Acupuncture (limited)

• Medication injections
• Lab tests
• Chiropractic (limited)

Plus: You choose any licensed veterinarian, specialist or emergency center anywhere in the world. We have no upper age limits for pets and we don’t use benefit schedules on our accident and illness plans.

Plan Options for Dogs & Cats

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. The advantage of a per-incident deductible over an annual deductible is that if your pet has a chronic condition, the deductible only needs to be met one time and not once per year.

All Pets Best Insurance plans reimburse up to 80% for covered services, after a deductible, up to the per-incident limit of the plan you choose. The per-incident limit is the maximum amount Pets Best Insurance will reimburse you for any one incident. An incident is defined as a specifically identifiable accident or illness. If a pet develops a chronic or recurring condition after the waiting period, Pets Best Insurance will continue to cover treatment costs until the per-incident limit has been met.

Plan Type	Per-Incident Deductible	Per-Incident Limit	Maximum Benefit
Pets Basic	$100, $250, or $500	$2,500	$42,500
Pets First	$100, $250, or $500	$7,000	$100,000
Pets Premier	$250 or $500	$14,000	$100,000

Condition Type	Pets Basic	Pets First	Pets Premier
Hereditary Conditions When enrolled before age 2	$500	$1,000	$2,500
Behavioral Conditions	$200	$300	$400
Pregnancies See: Excluded Breeds	$300	$400	$500
Burial or Cremation	$200	$300	$400

Condition Type	Pets Basic	Pets First	Pets Premier
Acupuncture & Chiropractic Services	$150	$250	$500

BestWellness™ Optional Routine Care Coverage

BestWellness can be added to any Pets Best Insurance plan for $22 per month, to help pay for routine care coverage with no deductibles. Providing coverage of up to $480 annually for dogs and $545 annually for cats, for covered services. BestWellness helps pay for teeth cleaning, spaying and neutering, vaccinations, annual exams and much more! Learn more about adding BestWellness to your plan.

What's Not Covered

Pets Best Insurance plans have some exclusions, including pre-existing conditions, in order to keep premiums affordable. Please read What's Not Covered.

Our Plans Cover Accidents and Illnesses

When your pet is covered by Pets Best Insurance, you can use any licensed veterinarian anywhere in the world. We don't use networks and we don't tell your veterinarian how much he or she can charge.

In addition to standard accident and illness coverage, including emergency care, you'll also have coverage for alternative treatments including acupuncture and chiropractic therapy.

Our plans have some of the shortest waiting periods in the industry – just 3 days for accidents and 14 days for illnesses and routine care coverage (if purchased.)

To view a generic policy form for your state click here, or contact Pets Best at 1-877-738-7237.