General InformationHow Much Does It Cost?Good Information To KnowCustomer ServiceDiscount OpportunitiesWhat's CoveredWellness AddonsClaims ReimbursementCancellation InformationPre-existing conditions

Pets Best Pet Insurance Information

Pets Best Pet Insurance logo
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.
General Information
How Much Does It Cost?

General Information


Avoid paying out-of-pocket by signing up for their Vet Direct Pay

Fast, 5 Day Claims Processing

Get the support you need with their 24/7 Pet Helpline.

Lets you choose your own vet.

Will not raise the price of your policy after you file a claim.

Like all pet insurance companies, they cannot cover pre-existing conditions.

How Much Does It Cost?


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.
Get a Free Quote

Good Information To Know










Customer Service








Discount Opportunities



What's Covered

Essential
Plus
Elite

Use Any Vet

Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.

Cancer

Coverage includes chemotherapy and radiation treatment.

Breed-Specific Conditions

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.

Dental

Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning

Illnesses

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.

Vet Labor

Costs for the veterinarian's time consulting and overseeing your pet's treatment.

Emergencies

Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
X-Rays
Ultrasound
Blood Tests
Urinalysis
Exam Fees for a Covered Occurrence
Surgery
Hospitalization

Exam Fees

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.

Alternative Therapies


Other


Wellness Addons


Essential Wellness

Spay/Neuter - Teeth Cleaning

$0

Rabies

$15

Flea/Tick Prevention

$50

Heartworm Prevention

$30

Vaccination/Titer

$30

Wellness Exam

$50

Heartworm test or FELV screen

$25

Blood, fecal, parasite exam

$50

Microchip

$20

Urinalysis or ERD

$15

Deworming

$20

Best Wellness

Spay/Neuter - Teeth Cleaning

$150

Rabies

$15

Flea/Tick Prevention

$65

Heartworm Prevention

$30

Vaccination/Titer

$40

Wellness Exam

$50

Heartworm test of FELV screen

$30

Blood, fecal, parasite exam

$70

Microchip

$40

Urinalysis or ERD

$25

Deworming

$20

What's Not Covered


Prescription coverage is limited to medications covered by Pets Best formulary list.

Claims Reimbursement


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.


Cancellation Information


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.

Pre-existing conditions


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).
Copyright © 2005-2019 Pets Best Insurance Services, LLC - 2323 S. Vista Ave. Ste. 100 - Boise, ID 83705 877-738-7237. Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company or Independence American Insurance Company, a Delaware insurance company.
A family with pets that are insured by Pawlicy Advisor
Take the uncertainty out of your pet insurance search. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Get a Quote
Our pet insurance partners
ASPCA Pet Insurance Logo
Hartville Pet Insurance Logo
Pets Best Pet Insurance Logo
Petplan Pet Insurance Logo
PetFirst Pet Insurance Logo