How to File a Pets Best
Pet Insurance Claim

📋 How to File a Pets Best Claim

1. Log in to your Customer Account at petsbest.com/customerportal or use the Pets Best mobile app
2. Submit your claim with an itemized invoice showing the vet clinic name, your pet's name, services performed, and itemized costs
3. Claims must be submitted within 180 days of the date of treatment
4. Pets Best will often request your pet's full medical records to check for pre-existing conditions, have these ready
5. Track your claim status in real time through the Customer Account
6. Choose reimbursement by direct deposit (fastest), CareCredit, or paper check
7. Processing typically takes 5 to 10 business days; direct deposit is the fastest option

⚠️ Common Reasons Pets Best Denies Claims

• Pre-existing conditions, Pets Best routinely requests full vet history and denies based on any prior symptoms, not just diagnosed conditions
• Exam fees are not covered unless you add the BestWellness or EssentialWellness add-on
• Treatments during the 3-day accident or 14-day illness waiting period
• Dental disease in pets older than 3 years requires a cleaning within 13 months before the claim
• Important: Pets Best applies your reimbursement percentage before subtracting your deductible, payouts are lower than expected
• Services not itemized clearly on the invoice, Pets Best requires itemized invoices, not summary bills

💡 Tips for a Successful Pets Best Claim

• Important math: Pets Best applies your reimbursement percentage to the bill first, then subtracts your deductible. On a $1,000 bill with 80% reimbursement and $250 deductible, you get $550 not $600. Factor this into your plan selection
• Pets Best has no annual or lifetime limits on the BestBenefit plan, a major advantage for pets with chronic or recurring conditions
• Use direct deposit to receive reimbursement 2 to 3 days faster than a paper check
• Pets Best offers a 24/7 vet helpline for all customers, useful for deciding whether a vet visit is necessary
• A 5% multi-pet discount is available when insuring more than one pet