Consumer Tips
What Does Pet Insurance Cover and What’s the Cost?
Pet health insurance reimburses pet owners on veterinary bills when their dog or cat gets sick or injured. Simple, right? It can be, but learning about the specific types of pet insurance plans will help you make a better coverage decision for your furry loved ones.
Pets Best Has Three Types of Plans
- BestBenefit Accident and Illness Plan
- Accident-Only Plan
- Wellness Routine Care Plan
What Does Each Plan Cover?
- BestBenefit Accident and Illness Plan
This is the most popular and comprehensive plan offering coverage for accidents and illnesses. Examples of accidents include a broken bone, laceration, and eating a toy or sock. Examples of illnesses include cancer, allergies, ear infections, and diabetes. - Accident-Only Plan
This budget-friendly plan has coverage for accidents only. It does not cover illnesses. - Wellness Routine Care Plan
Wellness routine care plans cover include coverage for items such as vaccinations, teeth cleaning, and flea & tick prevention. This can be added on to either of the above two plans.
What’s Not Covered?
No pet insurance company covers pre-existing conditions. But, if your pet has a pre-existing condition (for example allergies) there are still thousands of other future health issues that pet insurance covers. Additionally, it’s not liability insurance and it’s not life insurance for pets.
How Much Does Pet Insurance Cost?
- BestBenefit Accident and Illness Plan
The cost is based on the pet’s age, breed and location. So you have to get a quote to see how much a plan will cost. However, a common monthly price range is $30-$65. - Accident-Only Plan
This is a flat rate plan. It only costs $6 per month for cats and $9 per month for dogs. - Wellness Routine Care
Plan Pets Best offers two routine care plans. The EssentialWellness plan is $16 per month and the BestWellness plan is $26 per month. (The price only varies in Washington state where EssentialWellness is $14 per month and the BestWellness is $30 per month).