Pets Best Insurance Services was founded in 2005 by Dr. Jack Stephens, the "father" of the pet insurance industry, who launched the first pet insurance company in North America. The team at Pets Best Insurance Services is comprised of pet owners and pet lovers, many of whom have veterinary backgrounds and are involved with animal rescue. Pets Best Insurance Services offers fast claim reimbursement (typically paid in five days or less), optional Vet Direct Pay, flexible coverage options, and a 24/7 Pet Helpline.
Pet insurance prices for Pets Best Pet Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare Pets Best to other leading pet insurance brands for free.
The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.
Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.
A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.
Use Any Vet
Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.
Coverage includes chemotherapy and radiation treatment.
Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.
Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
The plan covers infections, cancers and other illnesses that are typically not genetic.
Supplements For Covered Conditions
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
Exam Fees for a Covered Occurrence
Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.
Prescribed Foods + Medication
Prescription medications are approved by your vet for the treatment of your pet's ailment.
The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
Spay/Neuter - Teeth Cleaning
Heartworm test or FELV screen
Blood, fecal, parasite exam
Urinalysis or ERD
Spay/Neuter - Teeth Cleaning
Heartworm test of FELV screen
Blood, fecal, parasite exam
Urinalysis or ERD
What's Not Covered
Prescription coverage is limited to medications covered by Pets Best formulary list.
To submit your claim, the following information is needed:
You must file a claim and supporting paid invoice(s) within 180 days of the treatment date. For the fastest and easiest claim filing experience, please log into your Customer Account at www.PetsBest.com/customerportal and use the electronic claims upload process to submit your documents. Alternately, you can download a personalized claim form from the Customer Account, or you can contact the Customer Care center at 877-738-7237 and Pets Best Insurance Services will mail, email, or fax one to you.
Pets Best Insurance Services may require complete medical history/records associated with your pet to process our claim.
1. At Pets Best Insurance Services' request, you agree to provide all of your Pet's medical history/records.
2. You authorize Pets Best Insurance Services, at the time of enrollment and any time after to contact any and all veterinary clinics or hospitals to obtain all available medical records that exist for your pet.
3. You authorize any and all veterinary clinics or hospitals to release to Pets Best Insurance Services all medical records that exist for your Pet.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
You may cancel your policy by notifying Pets Best Insurance Services with a call, online chat, or in writing via mail, fax, or email. Any unearned collected premium will be refunded pro rata.
The number of days after your policy's effective date that a cancellation can be requested varies state by state so please review your specific policy for additional information.
If a cancellation is within your policy's grace period, Pets Best will refund 100% of any premium paid as long as no claims have been paid. This will void the policy from the beginning, and any pending or not yet submitted claims will be denied.
The policy will continue until cancelled and will renew automatically every year as long as premium payments are current. If premiums are unpaid, the company may cancel the policy by sending a notice of cancellation at least 30 days before the effective date of cancellation.
The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is Pets Best Pet Insurance latest definition:
Pets Best Insurance Services looks at the 18 months preceding the policy effective date and excludes any conditions that were present during that period. Conditions that are present during the policy waiting period are also deemed to be pre-existing conditions. Please note, the following Conditions are deemed Pre-existing conditions if they are present at any time preceding the policy effective date or the expiration of any waiting period:
1. Chronic conditions.
2. Bilateral conditions, if your pet had at any time any pre-existing conditions consistent with that same bilateral condition on either side of the body.
3. Intervertebral disc conditions, if your pet had at any time any pre-existing conditions involving the intervertebral discs (due to either degeneration or trauma).