Helping pets every day |
Claim paid $2,823.04 on 5/22/2012 for Duncan, Dog age 5 Labrador Retriever from Victoria, British Columbia | Claim paid $3,870.00 on 5/22/2012 for Maverick, Dog age 2 Labrador Retriever (Chocolate) from Marysville, Washington | Claim paid $1,224.49 on 5/22/2012 for BENTLEY, Dog age 6 Miniature Schnauzer from Mississauga, Ontario | Claim paid $2,874.60 on 5/22/2012 for Mister, Dog age 6 French Bulldog from San Francisco, California | Claim paid $2,292.51 on 5/22/2012 for Oreo, Dog age 3 Border Collie from Victoria, British Columbia | Claim paid $796.36 on 5/22/2012 for RAMZES, Dog age 4 German Shepherd from LAVAL, Quebec | Claim paid $1,784.26 on 5/22/2012 for Chewy, Dog age <1 Maltipoo from Calgary, Alberta | Claim paid $775.49 on 5/22/2012 for Whiskey, Dog age 3 Shih Tzu from Fremont, California | Claim paid $802.62 on 5/22/2012 for Sandy, Dog age 1 Golden Retriever from Carlsbad, California | Claim paid $1,039.31 on 5/22/2012 for Bunny, Dog age <1 Chihuahua from Fort Lauderdale, Florida | Claim paid $1,353.60 on 5/22/2012 for Brisket, Dog age <1 French Bulldog from San Francisco, California | Claim paid $1,907.22 on 5/22/2012 for Desmond, Dog age 5 Mixed Breed from Scarborough, Ontario | Claim paid $588.83 on 5/22/2012 for Mister, Dog age 6 French Bulldog from San Francisco, California | Claim paid $2,173.39 on 5/22/2012 for Duke, Dog age 4 Boston Terrier from Newport Beach, California | Claim paid $3,188.25 on 5/21/2012 for Bruiser, Dog age 11 Boston Terrier from Mountlake Terrace, Washington | Claim paid $666.09 on 5/21/2012 for Binti, Dog age 10 Poodle from Seattle, Washington | Claim paid $912.29 on 5/21/2012 for Gabe, Dog age 4 Greyhound from Midlothian, Virginia | Claim paid $501.29 on 5/21/2012 for Jitterbug, Dog age 2 Rhodesian Ridgeback from Novato, California | Claim paid $623.52 on 5/21/2012 for Sadie, Dog age 3 Yorkshire Terrier from Stoney Creek, Ontario | Claim paid $2,757.56 on 5/21/2012 for Sadie, Dog age 2 Australian Shepherd from Lakewood, Washington |
 

Pet Insurance Comparison with Pets Best

Click on a company name below to compare pet insurance plans.


ASPCA Embrace PetFirst Petplan
Pets Best
PurinaCare VPI 24PetWatch

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Common Policy Questions Trupanion Pets Best
Underwritten by Aetna Insurance Company or Independence American Insurance Company

Question:

Plan compared:
Based on Yorkshire Terrier Dog and Domestic Shorthair Cat, under 1 year old in Seattle, Washington 98107.
Featured plan is based on the example above; actual coverage availability may vary based on pet breed, age, and location. Does not include sign up or administration fees.

Trupanion:

*Based on breed and age examples to the left.

Trupanion Plan 90% coverage, no payout limits ($250 deductible selected)

Pets Best:

*Based on breed and age examples to the left.

80% coverage (Selected plan: Pets First Plan $250 deductible, $7,000 per incident limit, $100,000 lifetime limit)

Question:

What is covered
if my pet is sick or injured?

Trupanion:

All diagnostic tests, surgeries, medications, treatment, hospitalization, supplements, therapeutic pet foods1,2, and orthotic devices2 for accidents and illnesses (including those for hereditary and congenital disorders).
1We cover ½ the cost of the food to assist in the care of your pet; A discount on your premium after 2 months of coverage
2Subject to regulatory approval in your area.

Pets Best:

Diagnostic tests, surgeries, and medications for accidents and illnesses.

Question:

How is reimbursement calculated?

Trupanion:

90% of actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee and deductible, if selected.

Pets Best:

80% of the Usual and Customary Charges arising from injury or illness, less a per incident deductible.

Question:

What are the
policy payout limits?

Trupanion:

No payout limit over the life of your pet, with no limits per year, claim, illness, procedure, or condition.

Pets Best:

Per incident limit of $2,500, $7,000, or $14,000, depending on plan choice.
Lifetime limit of $42,500 or $100,000, depending on plan choice.

Question:

What are my deductible options?

Trupanion:

You have the option to select a lifetime per-incident deductible of $0 or any deductible amount from $50 to $1000 in increments of $5.

Pets Best:

$100, $250, or $500 per incident deductible.

Question:

Are hereditary and congenital conditions covered?

Trupanion:

Yes.

Pets Best:

Congenital conditions are not covered. Hereditary conditions are eligible for coverage for pets enrolled before their 2nd birthday.

Question:

Is alternative therapy coverage available?

Trupanion:

Yes with Optional Benefits* package for an additional cost.
*Subject to regulatory approval in your area.

Pets Best:

Yes, limited to acupuncture and chiropractic services with annual limit of $150, $250, or $500 depending on plan choice.

Question:

Are prescription medications covered?

Trupanion:

Yes.

Pets Best:

Yes.

Question:

Are prescription diets and supplements covered?

Trupanion:

Yes* when prescribed to treat injuries and illnesses covered by this policy. We cover ½ of the cost of food to assist in the care of your pet, then we provide a discount on your premium after 2 months of coverage.
*Subject to regulatory approval in your area.

Pets Best:

No.

Question:

What are some important exclusions I should be aware of?

Trupanion:

  1. Pre-existing conditions
  2. Hip dysplasia - optional coverage for dogs and cats*
*Subject to regulatory approval in your area.

Pets Best:

  1. Pre-existing conditions
  2. All Congenital conditions
  3. All Hereditary conditions: claims exceeding lifetime allowance of $500-$2500 depending on plan
  4. All claims for Hereditary Conditions for pets that enroll after their second birthday
  5. Cruciate ligament repair: during first 12 months
  6. Chronic conditions: claims that exceed per incident limit depending on plan choice (chronic conditions are considered to be a single incident)

Question:

Is coverage reduced for emergency and veterinary specialists?

Trupanion:

No.

Pets Best:

No.
Claim Examples Trupanion Pets Best
Underwritten by Aetna Insurance Company or Independence American Insurance Company

Claim example 1:

Foreign body ingestion - $3,980.98

Trupanion:

Amount covered: $3,150.88

Remaining benefits: Unlimited

Pets Best:

Amount covered: $2,984.78

Remaining benefits: $97,015.22 for the policy.

Claim example 2:

Retinal detachment - $4,351.00

Trupanion:

Amount covered: $3,690.90

Remaining benefits: Unlimited

Pets Best:

Amount covered: $3,280.80

Remaining benefits: $93,734.42 for the policy (when previous incidents are included).

Claim example 3:

Torn cruciate ligament within the first year of enrolling - $6,242.89

Trupanion:

Amount covered: $5,393.60

Remaining benefits: Unlimited

Pets Best:

Amount covered: $0*
*Cruciate ligament injuries are not covered within the first 12 months of enrolling. After first year, $4,794.31 would be covered.

Remaining benefits: $93,734.42 for the policy (when previous incidents are included).
Owner Testimonials
"My dog Kane loves Trupanion and so do I! Thank you for being such a wonderful company to deal with. You keep your promises, you honor your commitments and all your employees are a pleasure to interact with! " Read more

Pet Insurance Comparison Charts Disclosure

The description of Pets Best's policy, underwritten by Aetna Insurance Company of Connecticut was not furnished by American Pet Insurance Company. If there are questions regarding the illustration, please contact an agent of Pets Best. All quotes compared are based on policies with similar deductibles, coverage, and coinsurance for a Yorkshire Terrier Dog under 1 year old and a Domestic Short Hair Cat under 1 year old living in Seattle, WA 98107. Premium prices were obtained by website quotes and may vary by breed, age, location, and other factors. Featured coverage options are interpreted by American Pet Insurance Company as being comparable and American Pet Insurance Company recognizes that alternate policies, coverages, deductible levels and co-insurance levels may be available from these companies for different premium costs. Featured plan details represent comparable policy differences as gathered from information on the company's website and policy, if available. For the most current premium prices and policy details, please contact the company directly by visiting their website at http://www.petsbestinsurance.com/ or by calling 1-86-929-3807.

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