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      January 18, 2020

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Pets Best vs Pet Premium

Best Pet Insurance

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

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

2020

Pet Insurance Reviews

5 stars
Pets Best

PETS BEST

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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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3.5 stars
Pet Premium

PET PREMIUM

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Cost:

Plans starting at $8.46 for Accident-Only coverage

Plans starting at $9.91 for Total coverage

Pet Premium wants to be your top resource for pet protection, from insurance to helpful articles, and even to help you find your next furry mascot.

When it comes to pet insurance, Pet Premium has some pros and cons. For example, you're free to use any licensed veterinarian you like, but be aware that Pet Premium reimburses you based on a specified incident limit for the condition being treated, not for what you actually paid. In other words, if you have a world-renowned vet who charges more for her expertise, you probably won't be reimbursed for as much of the bill. That's not nearly as customer-friendly as pet insurance providers that pay out based on actual costs.

You'll choose between two types of coverage: Accident-Only and Total Coverage. Once you know which kind you want, you'll then be able to further customize your premiums according to the deductible, reimbursement level, and annual coverage limit. For our dog, a 7-year-old, mixed breed male, we were quoted $27.93/month for a plan that reimbursed 70% of each claim, with a deductible of $500 and an annual coverage limit of $2500. On the opposite end of the spectrum, we'd pay $104.02/month for a plan with no coverage limits, a $100 deductible, and a reimbursement level of 90%.

If you have a kitten or a puppy, you can expect to pay much less. We entered information for a 6-month-old kitten at the highest deductible, lowest coverage limit, and lowest reimbursement level and were quoted less than $10/month for the Total coverage plan.

One plus with this provider: Pet Premium's deductibles are annual, not per visit or per condition.

Unlike some pet insurance policies, Pet Premium's come with add-on coverage for preventative/wellness care. Your cost depends on your pet's details, but you can expect to find Basic, Standard and Prime options; for our dog, we would spend anywhere from $9.95 to $24.95 per month for that additional service. Depending on what your pet actually needs during a year (a health certificate? Urinalysis? Deworming?), the extra premiums may not be worth what you get, so check the details carefully.

How does Pet Premium's reputation compare with insurance providers with a longer history? Overall, you could say that it's "so far, so good". Even though they've only been in business since 2013, Pet Premium is accredited with the Better Business Bureau and had an "A+" rating at the time of our review. There are also hundreds of reviews on the Pet Premium site with ratings of 4- and 5-stars; it's worth noting, though, that most of those seem to be collected before the customers have had a reason to use their pet insurance plan.

We look forward to getting more feedback from Pet Premium clients in the future, to better establish how well the provider does on paying on claims, not just having an easy process for becoming a policyholder. Until then, they stay in the middle of the pack among pet insurance companies.

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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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