HOW IT WORKS
Get Treatment
When your pet becomes ill or injured, get treatment from any licensed veterinarian of your choice in the U.S. and Canada.
File a Claim
Pay your veterinarian, and then file a claim with Pets Best online or using your mobile app.
Get Reimbursed
Claims are processed easily and can be direct deposited to your bank account.
FAQs
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How can this help me?
By enrolling in coverage with Pets Best, you'll enjoy:
- 90% reimbursement on covered accidents and illnesses*
- No annual limit option
- Low annual deductible options
- Coverage for accidents, illnesses, surgeries, cancer, and more!
- Optional wellness plans
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Who is the Provider?
Built upon a legacy of innovation, Pets Best focuses on putting customers first by offering flexible coverage, easy claims process, and excellent customer service. Pets Best is highly rated by independent review sites and is recommended by veterinarians across the nation. -
Who is eligible?
Everyone is eligible to receive preferred pricing on pet insurance for their dogs and cats of any breed or age.** -
When can I enroll?
You can enroll anytime! The policy effective date is typically the first of the following month. -
How much will this coverage cost?
You'll pay less by enrolling through your employer than you would for coverage you would find on your own.
You can get dog or cat health insurance starting at just $1/day.*** The price of an Accident and Illness BestBenefit plan is based on three factors: age, breed, and location. For accident and illness plans, you can choose your deductible ranging from ($50-$1,000), reimbursement percentage (70%, 80% or 90%) and annual limit ($5,000 and Unlimited). Pets Best offers a wide range of plans to fit your budget and pets' needs.
EssentialWellness - $14 – $21.75 per month BestWellness™ - $26 – $32.58 per month******
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If I leave my employer, will I be able to keep my coverage?
Yes! When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policy’s terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct checking, bank account deduction, or credit card billing. Higher rates may apply. -
What's not covered?
- Pre-existing conditions, or any condition showing signs or symptoms prior to the policy effective date, are not covered by pet insurance. However, if your pet has a pre-existing condition, like allergies for example, there are still thousands of other future health issues pet insurance covers.
- Non-veterinary expenses, food, special diets, vitamins & supplements
- Preventative, elective, and experimental therapies and treatments
Pet health insurance is not liability insurance or life insurance for pets.
This list is not exhaustive, please refer to policy form for complete list of exclusions.
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When will coverage start?
A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.**** -
How do I file a claim?
You can submit a claim through the Pets Best mobile app by simple snapping a photo of your receipt. You can also submit a claim through email, fax, or mail. Reimbursements can be sent via direct deposit or check. Plus, the easy-to-use Pets Best portal and mobile app give you real-time access to manage your claims. -
How does my veterinarian receive payment?
Typically, you would pay your veterinarian directly and then submit a claim. Pets Best will process your claim and reimburse you according to your plan. Pets Best can also reimburse your vet directly if the veterinarian allows and signs the Pets Best Vet Reimbursement Release Form. -
What is the 24/7 Pet Helpline and how does it work?
Every Pets Best policyholder has access to the 24/7 Pet Helpline! Chat, email or call a veterinary expert any time day or night to get your pet health and behavior questions answered. -
Are prescriptions covered under my policy?
Yes. Prescription medications to treat a covered accident and/or illness are covered.*****
For a full list visit Pets Best to download formulary.
*Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment. Limited to covered expenses.
**Group discount not available in AK, HI, TN. Discounts apply to accident and illness plans, and all plans in WA state.
***Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best Insurance Services, LLC (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.
**** In most states. Please get a quote to see waiting periods for your pet.
*****Group discount not available in AK, HI, TN. Discounts apply to accident and illness plans, and all plans in WA state.