Pet Insurance - Pets Best

Pet Insurance - Pets Best  

Overview

Shouldn’t every member of your family have health insurance?


Pets eat things they shouldn’t, like their toys or a chocolate bar. Or they may jump off the bed and injure themselves. These unexpected accidents and illnesses can put a dent in your wallet. A torn ACL can cost about $3,300 to fix. Cancer treatments can easily run $5,000. Even a routine vaccination costs on average $270. So shouldn’t every member of your family have health insurance?

Pets Best pet insurance can cover illnesses, surgeries, cancer, and much more for your dog or cat. They also offer wellness coverage for routine care. Pet insurance reimburses you on your veterinary bills when your dog or cat gets sick or injured. Having a pet insurance plan allows you to focus on getting the best care for your pet without worrying about the financial burden.

Here are some other benefits of being a Pets Best customer:

  • Save Money – You get an exclusive 5% discount on your monthly premiums plus another 5% if you have two or more pets.*
  • Use Any Veterinarian – Choose any licensed veterinarian, emergency vet, or specialist in the U.S. There are no networks.
  • 24/7 Pet Helpline – All Pets Best policyholders get free 24-hour access to veterinary experts to answer all your pet health and behavior questions, and to help assess if urgent care is needed.
  • Fast Claims Processing – Submit and track the status of your claim online or on the Pets Best mobile app.
  • Mobile App – With the Pets Best App, you can access your customer account or file a claim from anywhere, even while at the veterinarian's office.
Enrollment

Our fast and easy enrollment process means you can start protecting your pet sooner.

How It Works

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-855-408-4251
 Hours
 M-F 8a-5p CT
 Email
customer.service@mercer.com

What’s included in Pets Best?

  • 90% reimbursement on all accidents and illnesses
  • No annual limit
  • Low annual deductible
  • Covers accidents, illnesses, surgeries, cancer and more
  • Optional routine care add-on
     

*Pet insurance coverage is offered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company or Independence American Insurance Company, a Delaware insurance. Please visit www.americanpetinsurance.com to review all available pet health insurance products underwritten by APIC. Rates and plan availability vary based on age, breed and location of the pet and are subject to state availability. The 5% discount applies to all BestBenefit plans except for ones issued to residents of AK, HI and TN. In WA, the Essential Wellness rider is $14/month and the BestWellness rider is $30/month.

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • 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 effective date is typically the first of the following month, and you will see your effective date when you enroll. There are no waiting periods for accidents, illnesses, and wellness care after your effective date.
  • How much will this coverage cost?

    By enrolling through your employer, you’ll pay less for this coverage than you would for individual coverage you’d find on your own.

    Rates vary based on your pet’s age, breed and location. You can get a quote for exact rates, however policies typically cost between $30-$60. If you have more than one pet, you can get an additional 5% discount. Additional savings if your employer facilitates payment via payroll deduction.

    There are also two routine care plans available that you can add on to the base plan. The EssentialWellness plan is $16/month and the BestWellness plan is $26/month.*

    *Pet insurance coverage is offered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company or Independence American Insurance Company, a Delaware insurance. Please visit www.americanpetinsurance.com to review all available pet health insurance products underwritten by APIC. Rates and plan availability vary based on age, breed and location of the pet and are subject to state availability. The 5% discount applies to all BestBenefit plans except for ones issued to residents of AK, HI and TN. In WA, the Essential Wellness rider is $14/month and the BestWellness rider is $30/month.

  • 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 if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.
  • What's not covered?

    No pet insurance company covers pre-existing conditions. But, if your pet has a pre-existing condition (for example, allergies) there are still thousands of other future health issues that pet insurance covers. Visit https://www.petsbest.com/coverage for full details on coverage and exclusions.

     

    It’s not liability insurance and it’s not life insurance for pets.

  • When will coverage start?

    Coverage starts on your benefit start date (usually the 1st of the following month). There are no waiting periods*, so you can begin using the accident, illness and wellness coverage as soon as your plan goes into effect.
     

    There is no contract or commitment – you can cancel anytime and Pets Best offers a 30 day money back guarantee**.

     

    *A 6 month waiting period for cruciate ligament injuries will apply
     

    ** Not available in NY

  • How do I file a claim?

    It’s easy. You can submit a claim through the Pets Best app by simply snapping a photo of your receipt. You can also submit a claim through email, fax or mail. Claims are processed fast and reimbursements can be sent via direct deposit, check or direct to the vet. Plus, their easy to use portal gives 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 adjust your claim and reimburse you according to your plan. Pets Best can also reimburse your vet directly if the veterinarian allows.
  • 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 an accident and/or illness are covered.

     

    Click here to view the formulary list.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.