When selecting a Pets Best plan, there are three decisions to be made:
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.
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.
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.
BestWellness™ routine care coverage can be added to any accident and illness plan 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 pet insurance experts to help you choose the right plan.
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.