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.
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 can not cover pre-existing conditions.

Good Information To Know

Important Pet Insurance Information
Policy Duration
Payment Plan Frequency
Monthly, Quarterly, Semi-Annual, Annual
Payment Transaction Fee ($)
Minimum Age Eligibility To Enroll (Weeks)
Change Of Insurance Ownership Allowed
You must be the owner and in possession of the insured pet. If you transfer ownership of the pet, Pets Best Insurance Services is happy to arrange for continued coverage if contacted within 30 days from the date ownership transfers.
Residency Requirement
Geographical Coverage
United States, Canada, or any region under US government control, such as territories or military installations/bases in foreign countries.
Vet Direct Pay

Customer Service Information

Customer Support Helping Person With Pet Insurance
Customer Service Hours - Sales
Monday to Friday, 7:00am - 7:00pm MT Saturday, 10:00am - 2:00pm MT Sunday, Closed
Customer Service Phone - Sales
Customer Service Email - Veterinary
Customer Service Phone - Veterinary

Discount Opportunities

Pet Insurance Savings
You can apply for these discounts once you complete the booking flow on Pawlicy and are redirected to Pets Best Pet Insurance.
Multi-Pet Discount

What's Covered

Alternative Therapies
Exam Fees for a Covered Occurrence
Breed-Specific Conditions
Prescription Medications
Diagnostic Scans
Supplements - Covered Condition
Veterinarian's Labor Costs
Choose Reimbursement Rate

Add-On Coverage

Essential Wellness
Best Wellness
Routine and Preventive Dental Cleaning
Spay and Neuter
Wellness Exam Fees
Protective Health
Diagnostic Wellness Tests

What's Not Covered

  • Prescription Foods for Covered Condition
  • Prescription Foods for General Health
  • Taxes
  • Poison Control Consultation Fees
  • Stem Cell Therapy
  • Supplements - Preventive and General Wellness
  • Lost Pet
  • Third-Party Liability Coverage - Health
  • Third-Party Liability Coverage - Property Damage
  • Boarding Fees During Your Hospitalization
  • Vacation Cancellation Costs
  • Cremation or Burial
  • Health Certificate
  • Anal Gland Expression
  • Breeding, Pregnancy, Whelping or Nursing
  • Conditions That Occur During the Waiting Period
  • Cosmetic and Elective Procedures
  • Experimental or Investigational Treatment
  • Grooming
  • Herbs
  • House calls
  • Illness or Injury from Intentional or Negligent Activities
  • Non-Veterinary Administrative Services
  • Veterinary expenses related to coursing, law enforcement, guarding, personal protection, or racing.
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 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.
Claim Expiration Date: 180 Days
Claim Reimbursement Average Timeline: 5 Days

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.
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.

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