Pets Best

Pets Best: health insurance for dogs and cats in the United States and Canada

Pets Best is a pet insurance company with over 20 years of experience that offers policies for dogs and cats. Its plans are designed to help owners manage unexpected veterinary expenses, with coverage that includes accidents, illnesses, hereditary and congenital conditions, and dental care. The company allows you to customize the annual deductible, reimbursement percentage, and annual limit, and offers reimbursements of up to 90% of eligible veterinary expenses, with no annual or per-incident limits.

Available plans and coverage

Pets Best's offerings are structured into several types of policies. The accident and illness plan, the most popular, covers eligible veterinary expenses resulting from injuries, illnesses, hereditary and congenital conditions, emergency care, surgeries, and prescription medications, among others. There is also accident-only coverage, which helps pay for treatments for injuries such as fractures, ingestion of objects, broken nails, or poisoning. In addition, the company offers optional wellness and preventive care add-ons that reimburse expenses for annual exams, vaccinations, dental cleanings, and spaying or neutering.

Coverage varies by policy and is subject to waiting periods, exclusions, deductibles, reimbursement rates, and annual limits. Pre-existing conditions are not covered, although some may be eligible if they are considered cured and the pet remains symptom-free for the period specified in the policy.

Services included in all plans

All Pets Best policies include access to the 24/7 pet helpline, a phone service staffed by veterinary professionals for questions about pet health, behavior, and wellness. Direct vet pay is also available, which allows eligible claim reimbursements to be sent directly to the veterinarian. The company has a mobile app for Android and iOS that allows you to manage documents, submit claims by taking a photo of the veterinary bill, and access the helpline.

Claims and reimbursement process

The claims process involves visiting any licensed veterinarian in the United States or Canada, paying the bill at the time of service, and submitting the claim online, through the mobile app, or from your customer account. Once the deductible is met, the policyholder receives reimbursement for eligible expenses based on the selected rate, which can be up to 90%. The company states that it does not apply annual or per-incident payout limits.

Company profile

Headquartered in Boise, Idaho, Pets Best has over 20 years of experience in the sector and claims to have more than one million pets insured and over $1.3 billion in covered claims. The company serves dog and cat owners of all ages, with no upper age limit for coverage, and offers its policies in the United States and Canada.

Location and contact

2323 S Vista Ave. Ste. 100, Boise, ID 83705 · Phone: 1-877-738-7237