When selecting a Pets Best Insurance plan, there are three decisions to be made:
- Choose your annual deductible: $0, $50, $100, $200, $500 or $1,000
- Choose your reimbursement level: 70%, 80%, 90% or 100%
- Choose your plan level (maximum benefits): Level 1, Level 2, or Level 3
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.
All Pets Best Insurance plans reimburse your choice of 70%, 80%,90% or 100%, after a deductible, up to the annual and lifetime coverage amounts of the plan level you choose.
Which deductible and reimbursement level should I choose?
If you can afford a little more out of pocket when your pet needs veterinary care, choose a higher deductible and lower reimbursement level to reduce your monthly payment. If you'd prefer to receive a larger reimbursement after your pet sees the vet, choose 90% or 100% reimbursement or a $50 to $100 deductible.
Which plan level should I choose?
The factors listed below should be considered when selecting the plan level most appropriate for your pet. The recommended plan for most pets is the BestBenefit Level 1 plan with 80% reimbursement and a $200 deductible.
or call Pets Best at 866-440-2020
Size: Veterinary treatment costs increase with size because larger pets need higher doses of medication, more anesthesia and more surgery time. Larger breeds may need more coverage than smaller breeds.
Breed: Certain breeds are prone to serious illnesses, like cancer in retrievers and boxers, or bloat in giant breeds. Also, certain breeds are more likely to develop serious conditions like disc issues in dachshunds or cruciate ligament injuries in active pets. Treatment for these conditions can cost thousands of dollars depending on where you live and the size of your pet. If your breed is prone to serious illnesses or conditions, consider a higher level plan.
Age: Young and senior pets may benefit from a plan with a higher limit. Puppies and kittens have a habit of swallowing objects and are more prone to accidents and illnesses due to curiosity and clumsiness.
As your pet gets older, consider a higher level plan. Senior cats are prone to diabetes kidney issues and senior dogs are prone to cancer and arthritis. A higher level plan may help you afford high quality care and advanced treatment options like physical therapy, surgery and chemotherapy, which can improve the quality of your pet's life and bring more enjoyable years together.
Activity Level: Pets that are very active and spend a lot of time outdoors are more prone to accidents and orthopedic injuries. Consider a higher level plan if you have an outdoor cat, highly active pet, working or hunting dog, or agility dog.
Location: If you live in an area with a high cost of living, chances are, the average cost of veterinary services will be higher as well. If you live in suburban or urban areas where cost of living is above average, consider a higher level plan.
or call Pets Best at 866-440-2020
What about routine care coverage?
BestWellness™ routine care coverage can be added to any accident and illness plan for $23.50 per month, for annual benefits with no deductible. Covered items include spay and neuter, blood work, annual exams, vaccinations and more.
Still need help? Call Pets Best at 866-440-2020 to have one of our friendly Pets Best Insurance pet insurance experts to help you choose the right plan.