Plan Information

For Customers with Original IHC Plans

BestBenefit Plans for Dogs & Cats

A deductible is the amount that must be paid out of pocket before insurance reimbursement begins. Pets Best Insurance plans have annual deductibles, which means the deductible must be met once per policy year.
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 Annual Deductible Annual Coverage
Lifetime Coverage
Level 1 $0, 50, $100, $200, $500 or $1,000 $5,000 $100,000
Level 2 $0, 50, $100, $200, $500 or $1,000
$10,000 $150,000
Level 3 $0, 50, $100, $200, $500 or $1,000
$20,000 $200,000

Included Limited Coverage

All plans include the following coverage with the lifetime benefits shown.

Condition Type Level 1 Level 2 Level 3

Hereditary Conditions

When enrolled before age 2

$750 $1,500 $3,750 

Included Alternative Treatment Coverage

All plans include the following coverage with the annual limits shown.

Condition Type Level 1 Level 2 Level 3
Acupuncture & Chiropractic Services $350 $600 $1,000

What's Not Covered

Like every pet insurance plan, our plans have some exclusions in order to keep prices affordable. We provide this information so you can fully prepare for your pets’ veterinary needs.

Pre-existing conditions

Any illness or injury that begins before your policy is effective, or during your waiting period, will be considered “pre-existing”. Even if your pet had no signs or symptoms and wasn’t diagnosed, some conditions can still be considered pre-existing.

Some conditions, like broken legs, heal and require no further treatment. Once healed, these are not considered pre-existing conditions.

Congenital Conditions

Congenital conditions are present at birth, even if they aren’t noticeable right away, and are therefore considered pre-existing. The most common examples of congenital conditions include patellar luxation, umbilical hernia, elongated soft palate and portosystemic shunt.

Preventable conditions

Conditions that could’ve been prevented are not covered. For example, if your dog is not vaccinated against kennel cough, kennel cough diagnosis and treatment will not be covered. The same applies to any other illness that can be vaccinated against, as well as obesity, and the treatment of gingivitis and periodontal disease caused by tarter accumulation.

Elective and preventive procedures

Elective procedures such as tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal, elective gastropexy, and anal gland expression and removal are not covered expenses. Limited coverage for vaccines and preventive care is available with our optional BestWellness™ plan.

Non-veterinary expenses, food, special diets, vitamins and supplements

Non-veterinary expenses like taxes, administration fees, bio-hazardous waste disposal fees, transportation and house call fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian are not covered. We also do not cover food, vitamins or supplements, even when prescribed by a veterinarian.

Breeding and reproduction expenses

Expenses for breeding, reproduction and related conditions are not covered.

Herbal, holistic, experimental and alternative therapies and medications (except chiropractic and acupuncture)

Our pet insurance plans offer limited coverage for chiropractic and acupuncture services. All other herbal, holistic and alternative therapies are not covered.


Our regular pet insurance plans don’t cover parasitic testing, treatments or prevention. Parasites include but are not limited to: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies. Limited coverage for parasite testing and prevention is available with our optional BestWellness™ plan.

Treatment of obesity

Prescription drugs not included in our formulary

Please see our list of covered medications.

Conditions caused by a specific and repetitive activity that causes damage

For example, the induction of vomiting, stomach pumping, or treatment with charcoal; medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.

Any treatment of, or utilizing, a cloned animal

Coverage in Some Cases

Hereditary conditions are not covered if a pet is enrolled after its second birthday

Pets may have a genetic predisposition to develop certain hereditary conditions. If you enroll your pet before its second birthday, we will include limited coverage for hereditary conditions, otherwise hereditary conditions are excluded from coverage. To see the amount of coverage provided by each plan, see the above chart on this page. To learn what is considered hereditary, please view our short list of hereditary conditions.

Cruciate ligament injuries are not covered during the first 12 months of your policy

In most cases, cruciate ligament injuries won’t be covered during the first 12 months of your policy. After 12 months, regular benefits will apply to cruciate injures that develop after the first year of coverage.

Note for Illinois Residents: Policies include a limited reimbursement for cruciate injuries that occur after the 14-day waiting period and during the first six months of the policy. Regular benefits apply to cruciate injuries that develop thereafter.

Dental Care

Only when damage has been caused by an accident, our regular plans cover extractions and reconstruction of upper and lower canine teeth. All other dental services are not covered.

Mortality expenses

Covered mortality expenses include euthanasia and cremation. All other mortality expenses are excluded.

Intentional injury to your pet by a member of your household
Conditions caused by racing, coursing, commercial guarding or organized fighting

Coverage Only with BestWellness™ Added to Your Plan

Routine care

Our BestWellness benefit helps pay for wellness exams, vaccines, spays and neuters, dental cleanings, routine diagnostics and more. You can add BestWellness for $22 per month at the time of purchase or upon annual renewal.

Dental cleanings

BestWellness reimburses $100 each year for teeth cleaning, and there’s no deductible to meet.

Fleas, ticks and heartworm

BestWellness helps pay for the testing and prevention of fleas, ticks and heartworm.