Pets Best in Florida
- Underwriter
- Independence American Insurance Company
- Waiting periods
- 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 |
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| Exam fees in base | no |
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| Dental illness in base | yes |
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| Prescription food | no |
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| Curable conditions can return to coverage | no |
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| Illness waiting 14 days or less, waivable | yes |
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| Hereditary conditions in base | yes |
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| Direct vet pay | yes |
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| No upper enrollment age | yes |
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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 | |
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| B. Age curve | 3.0 | |
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| C. Generosity (loss ratio) | 8.4 | |
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| D. Rate increases | 2.7 | |
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| E. Price structure | 8.0 | Website quote lagged the filed rate by 38.8% in October 2026 |
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| F. Customer treatment | no data | |
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| Coverage (separate) | 7.5 | |
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| Total | 6.3 | methodology |
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Price by age
From filing 26-026451, effective 2 Sept 2026. 15-year total $33,190.
Pets Best: monthly premium by age, french bulldog, male, enrolled at 0, $1,000 deductible, 90%, unlimited limit, filed rates effective 2 Sept 2026| Age | $/month | $/year |
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| 0 | $78 | $941 |
| 1 | $71 | $855 |
| 2 | $71 | $847 |
| 3 | $71 | $855 |
| 4 | $79 | $951 |
| 5 | $96 | $1,156 |
| 6 | $116 | $1,387 |
| 7 | $145 | $1,741 |
| 8 | $180 | $2,163 |
| 9 | $219 | $2,627 |
| 10 | $283 | $3,397 |
| 11 | $318 | $3,815 |
| 12 | $346 | $4,152 |
| 13 | $346 | $4,152 |
| 14 | $346 | $4,152 |
| Total over 15 years | $33,190 |
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Rate filings
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
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| 26-026451 | 2 Sept 2026 | approved | +27.4% | +27.4% | +28.5% | 76% actual (2025) | 59% | source |