Current customers: Due to recent plan changes, the below details may not reflect your policy. Please download a copy of your policy through your Customer Account
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”. Some conditions, like broken legs or kennel cough, heal or are curable and require no further treatment. Once healed or cured, these are not considered pre-existing conditions.
Conditions that occur from an absence of an available vaccine are not covered. However, if your dog is vaccinated for kennel cough but still develops kennel cough, it will be covered.
or call Pets Best at 866-440-2020
Elective and preventive procedures
Examples: tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal. Limited coverage for vaccines and preventive care is available with our optional BestWellness™ plan.
Non-veterinary expenses, food, special diets, vitamins and supplements
Examples of non-veterinary expenses: taxes, administration fees, waste disposal fees, transportation fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian.
Breeding and reproduction expenses
Herbal, holistic, experimental and alternative therapies and medications
Chiropractic care, acupuncture, cold laser therapy, physical therapy and hydrotherapy are not considered alternative therapies and are covered.
Testing, treatment and prevention of parasites are not included Limited coverage for parasite testing and prevention is available with our optional BestWellness™ plan. Examples of parasites: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies.
Prescription drugs not included in our list of covered medications. (67.8 kb PDF)
Conditions caused by a specific and repetitive activity that causes damage
For example, if your pet has had a foreign body ingestion or sustained bite wounds two or more times within the past 18 months, it will not be covered.
Conditions caused by racing, coursing, commercial guarding, organized fighting, or intentional injury to your pet by a member of your household.
Any treatment of, or utilizing, a cloned animal
Coverage in Some Cases
There is a 12-month waiting period on coverage for the following conditions. To waive this waiting period, please have your pet examined by a veterinarian within 30 days of enrollment. You can view a sample Pet Health Checklist here.
- Cruciate Ligament Injuries
- Luxating Patellas
- Portosystemic Shunts
- Elbow Dysplasia
- Hip Dysplasia
- Osteochondritis Dissecans
- Cardiovascular Defects
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.
When damage has been caused by an accident, stomatitis, pulpitis, or resorptive lesions, extractions and reconstruction of upper and lower canine teeth are covered. Routine teeth cleanings and dental treatments for gingivitis and progressive periodontal disease are not covered. Limited coverage for routine teeth cleaning is available with our optional BestWellness™ plan.
Covered mortality expenses include euthanasia and cremation.
Coverage Only with BestWellness™ Added to Your Plan for $23.50/Month
Our BestWellness benefit helps pay for wellness exams, vaccines, spays and neuters, dental cleanings, routine diagnostics and more. You can add BestWellness for $23.50 per month at the time of purchase or upon annual renewal.
BestWellness reimburses up to $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.
Accident Only Plan Exclusions In addition to general plan exclusions, Accident Only plans do not cover treatment or mortality expenses for any illness, sickness and disease, or non-accident related condition.
Cancer Only Plan Exclusions In addition to general plan exclusions, Cancer Only plans do not cover accidents, injuries or illnesses other than cancer. A histopathology report diagnosing a malignant cancer is required for coverage.
or call Pets Best at 866-440-2020