Pet Insurance - Pets Best

Pet Insurance - Pets Best  

Overview

Shouldn't every member of your family have health insurance? We've got your tail covered!


Pets Best was started by a vet who understood the value of the bond we share with our pets. Dogs and cats get sick and injured just like us humans. Medical advances and high-end equipment give your pets the best chance at a long, happy, and healthy life, but this often comes with a high price tag.

Pet insurance reimburses you for your pet’s eligible veterinary bills. Pets Best helps provide peace of mind to pet parents by offering flexible coverage that reimburses the cost of eligible veterinary treatment. Get flexible accident, illness, and routine care coverage customized to your pet and your budget.

There are many benefits to choosing Pets Best, including: 

  • 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?

  • Up to 90% reimbursement on covered accidents and illnesses
  • No annual limit option
  • Low annual deductible options
  • Covers accidents, illnesses, surgeries, cancer, and more!
  • Optional wellness plans
     

*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, coverage options, enrollment, claims, 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 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.

  • 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.

     

    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.

  • 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?

     

    • 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.

  • When will coverage start?

    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.

  • 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.

     

    Click here to view the formulary list.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.