Pet Insurance - Pets Best

Pet Insurance - Pets Best


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: 

  • Exclusive savings – You get a discount on your monthly premiums plus an additional discount 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.
  • Easy 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.






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


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.

Contact Us

 M-F 9a-6p ET


Answers about the plan, including eligibility, coverage options, enrollment, claims, and more.
  • 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
  • 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?

    Available to all US Associates who are not covered by a collective bargaining agreement.
  • 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.


    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, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108. Please visit to review all available pet health insurance products. ​ 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, 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.​

  • 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.

******Price varies by state, and by pet age. Get a quote to see pricing for your pet.


Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.