How to Choose A Pet Insurance Plan

Shopping for pet insurance can be a challenge. At Pets Best, our goal is to provide affordable options that provide the best level of coverage to fit your needs. As you research pet insurance companies and plans, here are some important things to keep in mind:

Look for plans that cover accidents, illnesses, hereditary and congenital conditions, and optional routine care like Pets Best plans do.

  • Accidents - Common accidents like cuts and broken legs should be covered. Also, look for a plan that will help pay for surgery needed to remove swallowed objects.
  • Illnesses - Curable conditions and chronic diseases, like cancer and diabetes, should be covered. 
  • Hereditary and congenital conditions - Be sure to choose from plans that offer coverage for hereditary and congenital conditions such as hip and elbow dysplasia, glaucoma, epilepsy, IVDD, luxating patella and cherry eye. Coverage for these types of conditions is available from Pets Best so long as the condition was not present prior to the policy effective date, or during any applicable waiting periods.
  • Routine Care - This optional coverage is usually available for an extra price, and should help pay for preventive measures like annual exams, vaccinations, blood work and dental cleanings. 

The rising costs of veterinary medicine can sometimes make low coverage limits unrealistic. Choose a plan that covers the true costs of unexpected illness and accidents. Pets Best offers a complete selection of high coverage limits, including unlimited coverage plans, so you and your pet are well protected in the event of the unexpected.

Choosing a higher deductible will lower your monthly plan price, but it means your out-of-pocket costs will be higher when your pet needs vet care. Choosing a lower deductible will increase your monthly price, but will lower your out-of-pocket costs. Pets Best offers a wide variety of deductible options so your plan is personalized to fit your budget.

Pets Best plans have annual deductibles, which means the deductible must be met for each annual policy term. 

Generally, reimbursement is calculated in one of two basic ways:

  • As a fair and straightforward percentage of the eligible vet bill, which is the method Pets Best chooses, or
  • As a percentage of a benefit schedule which limits the amount the insurance company is willing to pay.

Look for plans that allow you to visit:

  • Any licensed veterinarian
  • Emergency clinics – Even after hours
  • Specialists – In case your pet needs to be seen by an ophthalmologist (eye specialist), or oncologist (cancer specialist), for example. 

All plans from Pets Best include coverage for any of the above vet types.

What about routine care coverage?

Pets Best offers two tiers of routine care coverage that can be added to any plan for annual wellness benefits with no deductible. Covered items include annual exams, blood work, 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.

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