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 providers and plans, here are some important things to keep in mind:

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.

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 so you and your pet are well protected in the event of the unexpected.

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* – Examples include hip and elbow dysplasia, glaucoma, epilepsy, IVDD, luxating patella and cherry eye.
  • 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. 

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

  • As a fair and straightforward percentage of your veterinarian's 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 in the world
  • 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.

We believe you and your veterinarian should determine the best course of treatment for your pet. Choose a plan that doesn't limit your choices by using a benefit schedule

What about routine care coverage?

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.

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