!!!!!!!!BEWARE if your pet has 2 or more separate illnesses at once or close together w/ Pets Best because they count that as ONE incident & it all counts toward the payout limit!!!!!!!!!!! Seriously- what's the point of insurance if your pet can only be sick w/ 1 thing at a time or isn't allowed to have a possible complication from treatment or illness?!
My cat was misdiagnosed w/ Asthma then diagnosed w/ diabetes 3 months later & then got a kidney infection 7 months later & they counted it all under 1 incident! Hello?? When is asthma & diabetes & a kidney infection the same condition at all, much less MONTHS APART?? ? My veterinarian at UC Davis (who literally wrote the manuals colleges use to educate vets...Yes Pets Evil- you know who it is!!) hit the roof when I told him!! Their lumping these conditions into one have made me over my $7000 limit. I'm currently appealing the ridiculous decision & I have done research & found that TRUPANION HAS NO LIMITS WHATSOEVER ON THE LIFETIME OF YOUR PET!!! My monthly quote was only a few dollars more than Pets Best but it gave me 90% coverage compared to Pets Best 80% plus NO LIMITS!
Anyways, here's the clauses in each contract:
PETS BEST-- "Multiple diagnoses may be considered one incident, especially if occurred on or about the same time as: the original incident or claim; a complication of original incident; or presented for multiple medical conditions". $2500/$7000 or $42,500 per incident limit depending on plan.