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      August 21, 2018

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Pets Best vs Nationwide

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Pets Best and Nationwide.

To see ALL of our reviews for the Best Pet Insurance, please Click Here

Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

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Best Reviews

2018

Pet Insurance Reviews

5 stars
Pets Best

PETS BEST Visit Site

Cost:

Plans starting at $7.25/month for dogs and $4.22/month for cats

Accident-only plans: $6/month for cats and $9/month for dogs

Unlimited annual reimbursement plans available

No enrollment fee

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Created by a veterinarian who had seen too many loving pet owners forced to choose euthanasia over treatment for their four-legged friends, Pets Best pet insurance helps people worry less about the costs of caring for their dogs and cats. They offer a 24/7 pet helpline to answer questions you may have about your pet's health, along with support via text, phone, or online chat.

As with most pet insurance companies, Pet Best asks you to give them some basic information about your pet, such as age, breed, and zip code of residence. From there you'll be given three suggested plans. For our mixed breed, 7-year-old male dog, we were shown these options:

  • Essential: for $32.36/month, our coverage included Accidents, Illnesses, Cancer, Hereditary Conditions, Emergency Care, Surgeries, and Rx Medications.
  • Plus: for $37.76/month, we got all of the Essential coverage, plus any veterinarian exam fees.
  • Elite: for $39.51/month, we got all of the coverage from the first two plans, along with Rehabilitative/Acupuncture/Chiropractic care.

All three of those plans had an unlimited annual coverage limit, an annual deductible of $500, and a reimbursement level of 80%.

You can use the customization dropdowns above your three recommended packages to make a pet insurance plan specific to what you'd like to pay. Choosing an annual limit of $5,000 brought our premiums down by $4/month. Annual deductible options range from $50 to $1,000, and reimbursement levels can be 70%, 80%, or 90%. Pets Best had one of the lowest monthly costs out of all of the pet insurance companies in our review, starting at less than $5/month to cover a kitten and less than $8/month to cover a puppy. Of course, as your pet gets older, you can expect to pay higher premiums no matter which company you choose.

If you want to supplement your pet insurance with routine care coverage, Pets Best offers EssentialWellness for $16/month and BestWellness for $26/month. You'll want to determine if this coverage is worth what you'd pay over the course of a year, because some of the included benefits may not be a part of your annual care plan. For example, both routine care plans have a benefit for microchipping - $20 in the Essential plan and $40 in the Best plan - but you wouldn't need to have that done more than once.

For the most part, Pets Best clients rave about the service and coverage they've gotten through their pet insurance plans. One of the most common comments is amazement at how fast claims are paid: the company often reimburses claims within 5 days of submission (via direct deposit if you like). Also, many veterinarians accept Pets Best as a direct pay partner, meaning that you don't have to pay out of pocket during your visit. An "A+" rating and accreditation from the Better Business Bureau also demonstrate that Pets Best has a good history of providing pet insurance that delivers peace of mind to owners around the country.

The only complaints we saw were by customers who didn't agree with Pets Best waiting periods and pre-existing conditions policies. When starting a new policy, you should expect a 3-day waiting period for accidents, 14 days for illnesses, and 6 months for cruciate ligament events or related conditions. However, we found that Pets Best representatives do a very good job of responding to customer concerns and complaints.

Overall, Pets Best continues to be a terrific choice for your pet insurance policy. From accident-only coverage to comprehensive plans that help pay for routine care and illnesses/accidents, Pets Best offers affordable plans that should appeal to everyone with a pet. For keeping your faithful animal companion happy and healthy for a long time, Pets Best earns our highest rating for the best pet insurance plan.

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3 stars
Nationwide

NATIONWIDE Visit Site

Cost:

Plans starting at $16.51/month

Unlimited annual maximum on all plans

Annual deductibles of $100 or $250

Plans available for birds and exotic pets

$2 monthly transaction fee if not paying annually

No enrollment fee

"Nationwide is on your side" - and that includes your pets. Originally selling pet insurance under the Veterinary Pet Insurance brand in 1982, their very first customer was the famous TV collie, Lassie. Since then, Nationwide has covered thousands of pets throughout the US - including birds and exotic animals.

There are a few things you'll notice right away that are different with Nationwide. First, when getting a quote, you'll only be offered two plans: Major Medical and Whole Pet with Wellness. Unlike most companies that let you customize plans based on annual deductibles, coverage limits, and reimbursement percentages, Nationwide reduces your decision-making to whether you want wellness coverage or not. The Whole Pet program reimburses at 90%, while the Major Medical pays based on standard costs, not actual. With both programs, you can use any veterinarian you like.

For a kitten, you can expect to pay $16.51/month for Major Medical - almost four times as much as the lowest-priced competitor plan - or $46.60/month for Whole Pet with Wellness. But, both plans have an unlimited annual maximum, and with $250 and $100 annual deductibles, respectively, those prices are well worth the investment. Even looking at an older, more expensive pet to cover - our 7-year-old dog - we were pleasantly surprised by the rates: $57.66/month for Major Medical and $102.95 for Whole Pet with Wellness.

You'll be asked for fairly detailed medical history/information on your pet when you apply, so be prepared to document any past conditions, diagnoses, or treatments. You'll also be asked to identify your veterinarian - but it's not a problem if yours isn't in the list. (Ours was, along with dozens of others in our area.)

If you're paying for your plan on a monthly basis, you should expect transaction fees of $2/month. Also, your first payment will automatically be for two months of coverage, and your policy won't go into effect until at least 14 days after you apply and make that payment.

Does Nationwide measure up when it comes to pay out on claims? As much as we wanted to love this company for having simple-to-understand pricing with such broad coverage, we were disappointed when we looked at what other people had to say. Their comments were almost entirely negative; in fact, it was hard to find a customer who said that they had no issues at all with their policy. Many people felt they'd gotten a bait-and-switch with conditions and procedures they were told would be covered but in the end were denied. We also found a significant number of complaints saying that unless you provide detailed medical documentation from your veterinarian, Nationwide will deny your claim; some customers never received the request for that paperwork and didn't realize it until their claims were rejected.

Nationwide has a strong reputation for being a quality provider of insurance, across a wide range of policy types. It is largely due to this reputation and to their comprehensive pricing and plans that we give them a three-star rating. However, we advise you to be cautious and thorough with providing your pet's medical history, preferably during the application process - and that you follow up to make sure Nationwide received it before you make a claim, if possible.

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Continued from above

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

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