Pets Best Combined Flyer Summary and FAQ

Pets Best Combined Flyer Summary and FAQ

Why Choose Pets Best Insurance?

on covered veterinary costs Save

Great coverage? Fast claims? Excellent Service? Yes. We've got your tail covered.

Pet insurance reimburses you for vet bills when your pet is sick or injured, to help take the financial worry out of vet visits. • Fast claims processing and payment • Optional direct deposit and direct vet pay options • Use any veterinarian in the U.S. - including specialty and emergency clinics • Exclusive employee discount on a BestBenefit plan* • Optional coverage for routine care • Access to a 24/7 pet helpline powered by whiskerDocs

HOWPET INSURANCEWORKS

When your pet becomes ill or injured, get treatment from any licensed veterinarian in the US or Canada. Get Treatment

File a Claim

Fast claims processing and payment, and we can reimburse you directly into your bank account. Get P ai d Fast

Use your mobile app or file a claim online, there is no need to send us medical records unless we request them.

To begin, enroll at or call 888-984-8700 reference discount code:

BSHZ-FLER-052019-V2

Pet Insurance is underwritten by American Pet Insurance Company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. The brokers or agents present during open enrollment may not be licensed property/casualty brokers or agents and therefore cannot confer with or advise employees about pet insurance, sell or attempt to sell petinsurance to them. Please contact a Pets Best representative for more information. Terms and conditions apply. See policy for details.

*Discount available in most states

PlanOverview

BestBenefit Plan

Accident Only Plan As low as $6/month for cats and $9/month for dogs in most states. Designed for those on a limited budget who want great coverage for accidents like broken legs, snake bites, foreign body ingestion and more.

MOST POPULAR

Our most comprehensive coverage for Accidents and Illnesses. With multiple levels of coverage, BestBenefit plans can be customized to meet the future medical needs of your four-legged family member and your budget.

BestBenefit Plan Coverage

ESSENTIAL

PLUS

ELITE

Annual Coverage Limit for Unexpected Accidents and Illnesses

$5,000 - Unlimited

$5,000 - Unlimited

$5,000 - Unlimited

$50 - $1,000

$50 - $1,000

$50 - $1,000

Annual Deductible Options

70% - 90%

70% - 90%

70% - 90%

Reimbursement Percentage Options*

Accidents, Illnesses, Cancer, Hereditary Conditions, Emergency Surgeries & Rx Meds

Accident & Illness Exam Fees associated with the diagnosis of your pet for an eligible injury or illness. This is not intended to cover routine exams

Rehabilitative, Acupuncture & Chiropractic Coverage to treat eligible injuries and illnesses

Coverage to help pay for regular and expected veterinary visits. Please see Wellness Plans Summary for pricing information.

Optional Routine Care Available with BestBenefit plan only

The price of the BestBenefit plans vary on location, age and breed of pet. As with all pet insurance companies, pre-existing conditions are not covered.

* 50% and 60% reimbursement levels available in CA. Deductible up to $2,000 available in CA. Coverage applies to conditions that are determined not to be pre-existing. Claim administration is subject to all terms, conditions, limitations and exclusions in the policy. Please review policy form for complete details. Pet insurance coverage is oered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. Terms and conditions apply. See policy for details.

FLER-092020-V2-APIC

Routine Care Coverage

Routine care coverage for dogs and cats helps pay for your pet's regular veterinary visits. Routine checkups, dental cleanings and blood work may help to catch disease early and ensure a longer, happier life for your pet. It's an excellent way to budget for your pet's expected medical expenses, especially if you have a new kitten or a new puppy. Pets Best oers two tiers of routine care coverage that can be added to one of our pet health insurance plans for additional premium at the time you enroll, within 30 days of enrolling, or at your annual renewal. Benefits are available to you the day of your policy start date, so you can start using your routine care plan as soon as your policy goes into eect.

EssentialWellness

BestWellness TM

$16/Month *

$26/Month **

Pays up to the following, per year, with no deductible:

Pays up to the following, per year, with no deductible:

Spay/Neuter - Teeth Cleaning

$0

Spay/Neuter - Teeth Cleaning

$150

Rabies

$15

Rabies

$15

Flea/Tick Prevention Heartworm Prevention

$50 $30 $30 $50 $25 $50 $20

Flea/Tick Prevention Heartworm Prevention

$65 $30 $40 $50 $30 $70 $40 $25 $20

Vaccination/Titer

Vaccination/Titer

Wellness Exam

Wellness Exam

Heartworm test or FELV screen

Heartworm test of FELV screen

Blood, fecal, parasite exam

Blood, fecal, parasite exam

Microchip

Microchip

Urinalysis or ERD

$15

Urinalysis or ERD

Deworming

$20

Deworming

Total Annual Benefits

$305

Total Annual Benefits

$535

* $14/Month in Washington

** $30/Month in Washington

Routine care plans not sold as a stand-alone plan and if purchased must be added to a BestBenefit Accident and Illness Plan.

FLER-092020-V2-APIC Pet insurance coverage is oered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. Terms and conditions apply. See policy for details.

Frequently AskedQuestions

A waiting period er fers to the amount of time afetr the policy start date befoercoverage begins. Your policy start date will be the first effective date after open enrollment concludes or the 1st of the following month depending on the time of year in which you are enrolling. From the policy start date there will be just 1 waiting period of 6 months for cruciate ligament events. Once met, the waiting period is waived for continuous, uninterrupted policy renewals. You may enroll your dog or cat as early as 7 weeks of age. Like children, young dogs and cats have the highest risk of accidents. And because their immune systems aren't mature, they're more susceptible to infectious diseases. Pets Best plans have no upper age limits, so senior dogs and cats get the same great coverage as kittens and puppies.

How long are my waiting periods?

When can I insure my pet with Pets Best?

Yes. When your pet is insured with Pets Best, you can use any licensed veterinarian in the US. We have no network, no schedule of benefits and no pre-authorization procedures. We want your pet to receive the best care possible, which is why we also cover visits to specialists and emergency after-hours clinics.

Can I use my own veterinarian?

If you prefer, you can simply pay the annual expenses of routine care, like dental cleaning, vaccinations and blood work, on your own. However, our routine care options are designed to save you money on expected and preventative care for your pet.

Do I need the Routine Care option? Will Pets Best cover my pet’s dental needs?

Good dental care is vitally important to the overall health of your pet. Our BestBenefit plans include coverage for periodontal disease and other dental issues if proper preventative care, as outlined in the policy document, has been performed.

The easiest and fastest way to file a claim is through your Customer Account or one of our mobile apps. Once you login you can submit and view your claims and sign up for direct deposit. You can also send us your claim form via email, fax, or standard mail. We process claims quickly and send reimbursements as paper checks or direct deposit - your choice.

How do I file a claim?

With our direct deposit option, your reimbursement will be deposited as soon as two business days after we process your claim.

How fast will I receive my reimbursement?

No, our BestBenefit plans do not use a benefit schedule, which is a list that puts a limit on what each type of treatment can cost. Instead, we reimburse your choice of up to 70%, 80%, or 90% * of your actual vet bill after the deductible you choose, up to your plan’s maximum benefit.

Do you use a benefit schedule?

FLER-052019-V1-APIC

Pet insurance offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (APIC) or Independence American Insurance Company (IAIC). Please visit www.americanpetinsurance.com to review all available pet health insurance products underwritten by APIC. Terms and conditions apply. See policy for details.

*50% and 60% reimbursement levels available in CA. Deductible up to $2,000 available in CA.