Everyone is eligible to receive preferred pricing on pet insurance for their dogs and cats of any breed or age.

You can enroll anytime! The policy effective date is typically the first of the following month. There are no waiting periods for accidents, Illnesses, and wellness care after your effective date.

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.

 

Pets Best offers two routine care coverage plans that can be added to any BestBenefit plan.EssentialWellness costs $16/month and BestWellness costs $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.

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.

 

• 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.

 

Claim administration is subject to all terms, conditions, limitations and exclusions in the policy. Please review policy form APIC-PBI0001-ILL for complete details.

Coverage typically starts on the 1st of the following month. You only have one waiting period of 6-months for cruciate ligament injuries. All other waiting periods are waived, so you can begin using the accident, illness, (and wellness coverage, if chosen) as soon as your plan goes into effect.

 

You can cancel anytime and Pets Best offers a 30-day money back guarantee**.

 

**Not available in NY or if a claim has been filed in the first 30 days.

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.

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.

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.

Yes. Prescription medications to treat a covered accident and/or illness are covered.

 

Click here to view the formulary list.