Pet Insurance 101: What’s Covered & What’s Not Covered?

Posted on September 19, 2014 under Pet Insurance

a black labrador retriever tilting its head.

In this Pet Health Insurance 101 series we help you better understand what we do at Pets Best, why we do it, and why you need it.

When it comes down to what’s included in your pet health insurance coverage from Pets Best, we want you to know exactly what’s covered and what isn’t. Pets Best offers three plans ranging from those providing comprehensive pet insurance coverage to those offering more targeted coverage for customers looking for budget friendly options.  Additionally, Pets Best offers a routine care wellness plan. Since pets are notorious for getting into things they shouldn’t, we provide a wide range of coverage for even the most mischievous cats and dogs.

What’s Covered?

1. BestBenefit Accident and Illness Plan

The BestBenefit plans offer the widest amount of coverage for the diagnosis and treatment of accidents and illnesses. Some examples of the coverage include broken bones, cancer, diabetes, allergies, foreign object ingestion, full congenital and hereditary coverage including hip dysplasia and cruciate ligament injuries (ACL), MRIs, surgery, medication and physical rehabilitation.


2. Accident Only Plan

Covers the treatment of accidents and injuries suffered by dogs and cats, such as getting hit by a car, swallowing a rock or stick, breaking a bone, or eating something toxic. Coverage includes the exams, X-rays, surgeries, hospitalization and medications needed to treat the accident.


3. Routine Care Wellness Plan

The BestWellness routine care coverage can be added to any of the pet insurance plans for an additional premium. The plan helps pay for some routine care items such as annual exams, vaccinations, and teeth cleaning.

Routine care wellness plan coverage from Pets Best

What’s not covered?

At Pets Best, we believe in being completely transparent with our policy holders and like every pet insurance company, our plans have some exclusions in order to keep prices affordable. Here are some examples of what’s not covered under our insurance plans.

Pre-Existing Condition – 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.

Parasites – 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.

Non-Veterinary Expenses, Foods, Special Diets, Vitamins & Supplements – Examples of non-veterinary expenses include: 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.

Elective & Preventative Procedures – Examples of elective and preventative procedures include: anal gland expression and removal, tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal. Limited coverage for vaccines and preventive care is available with our optional BestWellness plan.

Herbal, Holistic, and Experimental Therapies & Medications – Herbal, holistic, and experimental therapies and medications are not covered. However, chiropractic care and acupuncture are covered on a limited basis.


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*Please note, policies available in Florida, South Carolina, and Washington state vary from the above descriptions.