Does pets best cover prescriptions​

Introduction

Pet insurance is a crucial investment for pet owners who want to manage unexpected veterinary expenses. One common concern among pet parents is whether their insurance plan covers prescription medications. If you’re considering Pets Best Pet Insurance, you may be wondering: “Does Pets Best cover prescriptions?” This article will provide a detailed breakdown of Pets Best’s prescription coverage, including plan details, pros and cons, and frequently asked questions.

What is Pets Best Pet Insurance?

 Overview of Pets Best Insurance

Founded in 2005, Pets Best is a leading pet insurance provider offering comprehensive coverage for dogs and cats. With a mission to provide affordable and flexible pet insurance plans, the company ensures that pet owners can access quality veterinary care without financial stress.

Does Pets Best Cover Prescriptions?

Yes, Pets Best covers prescription medications, but coverage depends on the plan you choose. Their Accident and Illness Plans generally include prescription drug coverage, while their Wellness Plans cover preventive medications.

 How Prescription Coverage Works with Pets Best

• Included in Accident & Illness Plans: Prescription medications that are necessary for treating covered conditions are included in standard plans.
• Exclusions Apply: Medications for pre-existing conditions are not covered.
• Wellness Plans: Covers routine and preventive medications like flea/tick prevention and heartworm medication.
• Reimbursement: You can submit claims for covered prescriptions, and after meeting the deductible, you will receive reimbursement based on your chosen plan’s percentage (70%, 80%, or 90%).

 What Types of Prescriptions Does Pets Best Cover?

 Medications Included in Pets Best Coverage

Pets Best provides coverage for various veterinary-prescribed medications, including:

1. Antibiotics – Used for bacterial infections.
2. Anti-inflammatory Drugs – Includes NSAIDs for pain relief.
3. Allergy Medications – Antihistamines and immune modulators.
4. Seizure Medications – Phenobarbital and other anticonvulsants.
5. Heart Medications – Beta-blockers, ACE inhibitors, etc.
6. Hormonal Therapies – Medications for endocrine disorders.
7. Chronic Disease Medications – Drugs for diabetes, arthritis, and other long-term conditions.

Medications Excluded from Coverage

Some prescription medications are not covered by Pets Best, including:

• Vitamins and Supplements (unless prescribed for a covered condition)
• Experimental or Investigational Drugs
• Over-the-Counter Medications (unless included in a Wellness Plan)
• Prescription Diets (Even if prescribed by a vet)

How to Get Reimbursed for Prescriptions with Pets Best

 Steps to File a Claim for Prescription Medication

1. Obtain a Prescription: Your veterinarian must prescribe the medication.
2. Purchase the Medication: Get it from an approved pharmacy or vet.
3. Submit a Claim: Use the Pets Best online portal or mobile app.
4. Wait for Reimbursement: Processing time typically ranges from 5-7 business days.

 Factors Affecting Reimbursement

• Deductible Amount – You must meet your annual deductible before reimbursement.
• Reimbursement Percentage – Your chosen percentage (70%-90%) affects how much you get back.
• Policy Exclusions – Any exclusions listed in your policy will impact the claim.

 Pros and Cons of Pets Best Prescription Coverage

 Pros

✅ Covers Medications for Covered Conditions – Most necessary prescriptions are covered under Accident & Illness plans.
✅ Flexible Reimbursement Rates – Choose from 70%, 80%, or 90% reimbursement.
✅ Easy Online Claim Submission – Hassle-free claims process through their website or app.
✅ Optional Wellness Plans – Covers preventive medications for an additional cost.

 Cons

❌ Does Not Cover Pre-existing Conditions – Any medications related to pre-existing conditions are excluded.
❌ Prescription Diets Not Covered – Even if prescribed by a vet, therapeutic diets are not included.
❌ Wellness Plan is an Extra Cost – Preventive medications are only covered under an add-on plan.

FAQs About Pets Best and Prescription Coverage

 Does Pets Best Cover Prescription Medications for Pre-existing Conditions?

No, Pets Best does not cover any medications for pre-existing conditions diagnosed before enrollment.

 Does the Pets Best Wellness Plan Cover Prescriptions?

Yes, but only preventive medications such as flea/tick and heartworm preventatives.

Can I Get Reimbursed for Medications Bought at Online Pharmacies?

Yes, as long as the online pharmacy is licensed and the medication is vet-prescribed.

What is the Waiting Period for Prescription Coverage?

Pets Best has a waiting period of 14 days for illnesses and 3 days for accidents before prescription coverage kicks in.

How Do I Know if My Pet’s Medication is Covered?

You can review your policy documents or contact Pets Best customer support for specific details on medication coverage.

Conclusion

Pets Best provides prescription medication coverage for pets enrolled in their Accident and Illness Plans. However, coverage excludes pre-existing conditions, prescription diets, and certain supplements. If you’re looking for preventive medication coverage, you’ll need to opt for a Wellness Plan add-on.

Before purchasing pet insurance, always review the policy details and understand the reimbursement process. With Pets Best, you can ensure that your furry friend gets the necessary medications while keeping vet expenses manageable.

Thinking about enrolling in Pets Best? Get a quote today to find the best plan for your pet’s needs!