A deductible is the amount that must be paid by you after the coinsurance is applied. Pets Best plans have annual deductibles, which means the deductible must be met for each annual policy term. The reimbursement level is the percentage you’ll be reimbursed of each eligible vet bill. Reimbursement is provided for covered services up to your plan’s annual coverage limits.
Waiting periods
If waiting periods apply to your policy, they will be shown on your declarations page. During waiting periods no coverage is provided.
Waiting periods are just 0 days for accidents, 14 days for illnesses, and routine care can be used the day after you enroll.
For Cruciate Ligament Events and any related Conditions, there is a 30 day waiting period following the Policy Effective Date.
Download a sample policy for your state. If you have questions, please call us at 877-738-7237.
Essential
Plus
Elite
Pre-existing conditions
Preventative care items (Ex. vaccinations or deworming - these items are considered routine care.)
Pet insurance is for the unexpected, and covering pre-existing conditions as well as future issues related to pre-existing conditions would significantly raise premium cost for everyone.
Download a sample policy for your state. If you have questions, please call us at 877-738-7237.
Routine Care Details
Pays up to the following limits, per year, with no deductible:
Total annual benefits - $305 Total annual benefits - $535
Accident - Details
The Accident plan covers the treatment of accidents, including exams, X-rays, surgeries, hospitalization and medications. In addition to the exclusions listed below, the Accident plan does not cover any illnesses, routine care, acupuncture, or chiropractic treatment.
Medical problems directly attributable to accidental injury
Download a sample policy for your state. If you have questions, please call us at 877-738-7237.
Accident policies do not cover pre - existing injuries, cruciate ligament injuries, or any illnesses or diseases, including infectious bacterial or viral disease, parasitic infection, metabolic disorder, or cancer.
Download a sample policy for your state. If you have questions, please call us at 877-738-7237.