All plans include the following coverage with the lifetime benefits shown.
When enrolled before age 2
All plans include the following coverage with the annual limits shown.
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.
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 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.
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 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 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.
Expenses for breeding, reproduction and related conditions are not covered.
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.
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.
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.
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.
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.
Covered mortality expenses include euthanasia and cremation. All other mortality expenses are excluded.
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.
BestWellness reimburses $100 each year for teeth cleaning, and there’s no deductible to meet.
BestWellness helps pay for the testing and prevention of fleas, ticks and heartworm.
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company,
a Delaware insurance company. Independence American Insurance Company is a member of The IHC Group, an organization of insurance carriers and
marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions
to groups and individuals for over 30 years. For information on The IHC Group, visit: www.ihcgroup.com. Additional insurance services administered
by Pets Best Insurance Services, LLC are underwritten by Prime Insurance Company. Some existing business is underwritten by Aetna Insurance Company
of Connecticut. Each insurer has sole financial responsibility for its own products.