Pets Best Pet Insurance Review
Pets Best Embrace is a trusted provider with a range of affordable pet insurance plans, multi-pet bundles and customizable options. So, we’re sure you can find something that works for you and your pet. The online experience of Pets Best customers has been rated highly thanks to the innovative app, simple website, and live chat for any urgent queries. There’s also a 24/7 Pet Helpline if you need advice or emergency assistance. Perhaps the standout feature of Pets Best is the option to have your vet bill reimbursed directly with Vet Direct.
Table of contents
- How does Pets Best pet insurance work?
- The benefits of Pets Best pet insurance
- Pets Best plans explained
- What does Pets Best pet insurance cover?
- Pets Best coverage vs. other insurers
- Is Pets Best pet insurance good value for money?
- How good is Pets Best’s customer service?
- How do I contact Pets Best?
- What is Pets Best’s claims process?
- How much will Pets Best pay for my claim?
- Are there any exclusions?
- What are the waiting periods for conditions?
- How quickly does Pets Best pay claims?
- Can I customize my Pets Best plan?
- State availability for Pets Best
- Verdict: Is Pets Best pet insurance good?
Our Pets Best rating
Pros & Cons of Pets Best pet insurance
- Can pay your vet directly if the vet agrees
- Multi-pet discount
- 24/7 pet telehealth line
- Flexible co-pay and deductible levels
- Six-month waiting period for cruciate ligament issues
How does Pets Best pet insurance work?
Submitting a claim is easy with Pets Best – just upload a photo of your invoice to your customer portal using the website or Pets Best app. This is also where you will find your policy documents, check the status of your claims, and add additional pets to your policy. You’ll pay a monthly fee which depends on several factors such as the age and breed of your pet, your location, and policy options such as your annual limit and reimbursement percentage.The benefits of Pets Best pet insurance
Some pet owners like to keep things simple with one pet insurance plan, but those who like choice will love the variety of plans with Pets Best. The customization available for policies is extensive plus there are optional wellness plans to cover routine care. One of the biggest and rarest benefits that Pets Best offers is the Vet Direct claims option. This means your reimbursement is paid directly to your vet post-treatment and you simply settle the rest of the bill – helpful if you don’t have a lump sum available to pay the bill in the first place.Pets Best plans explained
Pets Best is a flexible insurer, offering three core plans to suit different budgets and requirements. The Essential plan covers surgeries, emergency treatment and surgeries, while the Plus plan offers all this plus veterinary exam fees. Finally, the Elite plan includes rehabilitation, chiropractic treatments and acupuncture. The pricing of these plans varies case by case, depending on the age, breed, and location of your pet. Plus, you can select your maximum annual limit ($5,000 or unlimited), your deductible options and your reimbursement options. There’s also a basic fixed-rate accident-only plan which is the most affordable and applies to animals of all ages and breeds. The two wellness plans that Pets Best offer are optional add-on policies which cover everyday treatment.What does Pets Best pet insurance cover?
It’s great to have full coverage options in the event of an accident or illness but sometimes this might not be affordable. With Pets Best you can choose your reimbursement level to be either 70%, 80%, or 90%. What’s covered will depend on the plan you’ve chosen but most plans can be used for the cost of skin and ear infections, emergency care, surgeries, prosthetics, dental issues, congenital conditions, and illness. Like most providers, Pets Best will not cover pre-existing conditions, non-medical costs, or avoidable issues where treatment has been missed.Pets Best coverage vs. other insurers
How does Pets Best stack up against America’s other providers? Have a look in our handy table!Scroll to compare
Annual coverage options | $5,000, Unlimited | $5000, $10,000, $20,000+ | $10,000, $30,000+ | $5,000, $8,000, $10,000, $15,000, $30,000 | $5,000, $10,000, Unlimited | Unlimited | $3,000, $4,000, $5,000, $7,000, $10,000 | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | Unlimited | $5,000, $10,000, Unlmited | $10,000, $20,000, Unlimited | $20,000 | $10,000, Unlimited |
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Deductible options | $50, $100, $200, $250, $500, $1,000 | $100, $200, $500 | $100, $200, $500 | $200, $300, $500, $750, $1,000 | $100, $250, $500, $750 | $100, $250, $500, $750, $1,000 | $100, $250, $500 | $100, $250, $500, $750, $1,000 | $0 - $1,000 | $300, $500, $700 | $100, $250, $500 | $250, $500, $1,000 | $250 |
Reimbursement options | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90%, 100% | 50%, 60%, 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 50%, 90% | 70%, 80%, 90% | 90% | 90%, 100% | 50%, 70%, 90% |
When does coverage start? | 14 days | Immediate | 2 weeks | 2 weeks | 2 weeks | 15 days | 15 days | 14 days | 5 days | 15 days | 14 days | 15 days | 14 days |
Maximum age at sign up | No Maximum | 14 years | 12 years | 14 | No Maximum | 14 | No Maximum | No Maximum | 14 | No maximum | No Maximum | 14 years | 10 years |
Are vet exam fees included at no extra cost? | |||||||||||||
Are dental accidents covered? | |||||||||||||
Are dental illnesses covered? | |||||||||||||
Is there a wellness plan offered? | |||||||||||||
Is there a virtual vet/telehealth service? | |||||||||||||
End of life coverage | |||||||||||||
Is there a multi-pet discount offered? | |||||||||||||
Is there a charge for paying monthly? | |||||||||||||
Is there an app to make claims? |
*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement
Is Pets Best pet insurance good value for money?
Generally, people seem to review Pets Best well for affordability due to their flexible plans and range of budget to premium insurance. You can receive a 5% discount per additional pet on your policy or 5% if you adopt a pet. A 10% discount is also available for taking out a Pets Best insurance plan 24 hours after a veterinary visit.4-month-old Mixed Breed Medium | 2-year-old Golden Retriever | 6-year-old Domestic Shorthair Cat | |
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Los Angeles | New York | Florida | |
Pets Best | $34.57/month | $38.21/month | $17.53/month |
ASPCA Pet Health Insurance | $47.61/month | $56.79/month | $29.52/month |
Wagmo | $34.42/month | $58.95/month | $36.00/month |
Nationwide | $30.97/month | $50.38/month | $22.23/month |
How good is Pets Best’s customer service?
Customer support is ranked highly among our reviewers who received fast communication and a 3-day waiting period for accidents. The 24/7 Pet Helpline provides advice, support, and emergency care around the clock.How do I contact Pets Best?
Pets Best can be reached via phone (1-877-738-7237), fax (1-866-777-1434) or a direct message on its social media channels – Facebook, Instagram, Twitter. The 24/7 Pet Helpline is accessible via the app. Claims can be mailed to Pets Best Insurance Services LLC, 965 Keller Rd, Altamonte Springs, FL 32714 or claims@petsbest.com.What is Pets Best’s claims process?
Download a claim form from your online customer portal and send it via email, fax or even in the post. The quickest way, though, is to submit a claim using the Pets Best app. Just take a photo of your invoice, upload it to the app, and answer a few questions about your claim. Sometimes Pets Best will require your pet’s medical records to check for pre-existing conditions. If your claim is approved, you will be reimbursed in line with your reimbursement level minus the deductible policy amount. This will be paid into your bank account if you have provided your bank details. If you have not provided this information a check will be mailed to the address on your customer portal.How much will Pets Best pay for my claim?
Pets Best pays up to 90% of vet bills, depending on the reimbursement level you selected for your policy, reimbursing a direct percentage of your claim minus the deductible amount.Average Vet Bill |
Cash back w/ 70% | Cash back w/ 80% | Cash back w/ 90% | Difference w/ 70% |
---|---|---|---|---|
Cancer $8,137 |
$5,695.90 | $6,509.60 | $7,323.30 | $1,627.40 |
Hip Dysplasia $3,490 | $2,443.00 | $2,792.00 | $3,141.00 | $698.00 |
Swallowed Object $3,262 | $2,283.40 | $2,609.60 | $2,935.80 | $652.40 |
Inflammatory Glands $1,035 |
$724.50 | $828.00 | $931.50 | $207.00 |