pets Insurance

Pets Best vs. Healthy Paws Pet Insurance (2023)

What Does Pets Best Cover?

Pets Best’s accident-only plan covers unforeseen injuries, including broken bones, poisoning, car accidents, lacerations, or foreign object ingestion. Most providers, including Healthy Paws, disqualify treatment for accidents that occur during commercial use of animals — Pets Best abides by some of the same limitations as well, with an exception for an animal injured while hunting or in the line of service.

Pets Best’s most comprehensive policy, the BestBenefit plan, covers an array of veterinary services related to eligible accidents and illnesses, including:

  • Accidents (as above)
  • Chronic illnesses — cancer, diabetes, arthritis, allergies, cruciate ligament injuries, skin and ear infections, UTIs, and epilepsy
  • Hereditary and congenital conditions — hip and elbow dysplasia, luxating patella, cherry eye, IVDD, wobbler syndrome, and glaucoma
  • Emergency care, hospitalization, and surgery
  • Pre-anesthesia blood work and maintenance of vitals
  • Medication prescription
  • Exams, bloodwork, MRIs, CT scans, X-rays, and pathology reports
  • Reproductive issues in unspaid/unneutered pets — prostate problems, hormonal skin conditions, perianal tumors, mammary tumors, uterine and ovarian conditions, injury due to aggressive behavior
  • Behavioral conditions
  • Dental coverage (only with a diagnosis of periodontal disease)
  • Prosthetic devices and wheelchairs
  • Acupuncture and chiropractic care
  • Physical rehabilitation — hydrotherapy, cold laser, and physical therapy
  • Euthanasia

What Does Pets Best Not Cover?

First and foremost, Pets Best does not cover pre-existing conditions, aka any health complications that precede or occur during the provider’s set 14-day waiting period for accidents and illnesses.

Pets Best also does not reimburse medical costs related to:

  • Elective and preventative procedures — anal glans expression or removal, ear cropping, tail docking, nail trimming, feline declawing, dewclaw removal, etc.
  • Testing, treatment, and prevention of parasites like fleas, ticks, worms, and mites
  • Non-veterinary expenses
  • Prescription foods, specialty diets, vitamins, and supplements
  • Herbal, holistic, or alternative treatments/experimental therapies

How Much Does Pets Cost?

Policyholders with purebreds or senior animals often get stuck with pricier premiums because of the higher level of risk their animals present for the provider. To mitigate upcharges in price for pets with higher propensities for health issues, Pets Best offers flat-rate accident-only coverage at just $9 per month for dogs and $6 for cats, regardless of age or breed. Its two levels of elective routine care coverage are also preset at $16 per month for primary preventative care and $26 per month for more comprehensive protection.

Across its three tiers of accident-illness plans, Pets Best policies cost an average of $22 to $46 per month for cats and kittens and $35 to $58 per month for dogs and puppies.

Discounts Available

5% multi-pet discount — For those with more than one uninsured pet, Pets Best extends 5% off the monthly premium for each additional pet they enroll.

5% military discount — To those who can provide the proper identification, Pets Best formally recognizes the service of both active duty military members and veterans with an additional 5% off. This discount is not available in Tennessee, Alaska, or Hawaii per individual state restrictions.

Sample Monthly Pricing

To give you a more matter-of-fact look into how species and breed can impact the monthly premium you’ll pay for accident-illness coverage, we’ve used the online Pets Best quote generator to customize a sampling of estimates for four commons pet profiles.

The below quotes are based on the persona of a pet owner located in Florence, South Carolina, selecting Pets Best’s most intermediate plan customizations with an 80% reimbursement rate, an unlimited annual payout, and an annual deductible of $250.

We selected the $16 per month EssentialWellness plan for both rows that tack on preventative care since vet fees and physical therapy are standard inclusions for any dimension of Pets Best accident-illness coverage.

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