Pets Best is underwritten by Independence American Insurance Company (IAIC) under its own rate program and its own policy form; until 2023 the underwriter was American Pet Insurance Company (Trupanion’s company).
What is the same everywhere
The formula is annual: base rate × territory × plan factors × breed × age.
The age table stops growing at 12 years, so the last years of a dog’s life are not the most expensive.
No tenure surcharge and no conditional “healthy pet” discount.
Exam fees, prescriptions and rehabilitation are options (the Elite plan).
The insurer can pay the clinic directly on request after a claim is approved.
injury 0 days, illness 14 days, orthopedic 14 days
Enrollment age
from 7 weeks, no upper limit
Status
active
Coverage flags used for the coverage score
Unlimited annual limit available
yes
Exam fees in base
no
Dental illness in base
yes
Prescription food
no
Curable conditions can return to coverage
no
Illness waiting 14 days or less, waivable
yes
Hereditary conditions in base
yes
Direct vet pay
yes
No upper enrollment age
yes
Exam fees, prescriptions and rehabilitation are Elite plan options; the reference profile uses Elite. Florida law (§627.71545) allows no waiting period for injuries; Pets Best's 3-day accident wait applies in other states.
Scores in Florida
A. Lifetime cost
10.0
B. Age curve
3.0
C. Generosity (loss ratio)
8.4
D. Rate increases
2.7
E. Price structure
8.0
Website quote lagged the filed rate by 38.8% in October 2026