Shocking Secrets Revealed: How to Maximize Your Pets Best Insurance Claim and Get Paid Faster

 

Image Credit: pixabay/ Photo by Zigmars Berzins

If you’re a pet owner living in the United States, you already know how important it is to keep your pet healthy and safe. But sometimes, unexpected accidents or illnesses can lead to expensive vet bills. That’s why many people choose to buy pet insurance. One of the most trusted and well-known pet insurance companies in the U.S. is Pets Best. It helps thousands of pet owners manage medical costs and reduce financial stress when their pets need care. But having insurance is just the first step. What really matters is knowing how to use it properly, especially when it comes to filing a claim. If you file a claim the right way, you can get your money back quickly. But if you make mistakes, it might take longer or get denied.

In this guide, you’ll learn exactly how to file a claim with Pets Best Insurance, step by step. I’ll also share some helpful tips that can save you time and help you avoid common problems.

Understand What Your Insurance Covers

Before you even take your pet to the vet, it’s important to know what your Pets Best insurance plan includes. Pets Best offers different types of plans, and most of them cover basic and emergency health problems. For example, they usually pay for treatment related to accidents (like broken bones or cuts), illnesses (like infections, diabetes, or even cancer), hereditary or genetic conditions, prescription medicines, and some special treatments like acupuncture or chiropractic care.

If you also bought the optional wellness plan, it may cover routine care like yearly check-ups, vaccinations, and flea or heartworm prevention. However, not everything is covered. Pets Best, like most insurance companies, does not cover pre-existing conditions, cosmetic procedures (like tail docking or ear cropping), or non-medical services. So make sure to read your policy carefully and know what is included and what is not. This will help you avoid surprises when you file a claim.

Pay the Vet and Collect Important Documents

With Pets Best, you usually pay the vet bill first and then ask the insurance company to pay you back. This is called reimbursement. After your pet’s visit to the vet, don’t forget to ask for an itemized invoice. This means a bill that clearly lists each treatment or service your pet received, along with the cost. If this is your first time filing a claim, also ask the vet for your pet’s complete medical records. If your pet had any diagnostic tests like X-rays or blood tests, include those results too.

Make sure you keep all documents safe. It’s best to take clear photos or scan copies of everything. If the pictures are blurry or missing important information, it may delay your claim.

File Your Claim Using the Pets Best Portal or App

Filing a claim with Pets Best is simple, and you have a few options. The easiest and fastest way is through the Pets Best online portal or their mobile app, which is available for both Android and iPhone users. If you prefer, you can also email or fax your claim, but this might take longer.

To file online, first log into your Pets Best account. Then, click on “Submit a Claim.” You will be asked to upload the invoice and medical records you collected. After that, just review everything to make sure it’s correct and click “Submit.” That’s it! Many users say that claims submitted through the mobile app get processed faster than those sent by email, so try to use the app if you can.

Learn How Reimbursement Works

Once your claim is submitted, Pets Best will check your documents and decide how much they will reimburse. The amount of money you get back depends on your specific insurance plan. Every plan has a deductible (the amount you pay out of your own pocket before insurance kicks in), a reimbursement percentage (usually 70%, 80%, or 90%), and a yearly limit (the maximum amount the company will pay in one year).

Here’s a simple example: let’s say your pet has a vet bill of $1,200. If your deductible is $250 (and you already paid it earlier in the year), and your reimbursement rate is 90%, then Pets Best will pay you back $1,080. That’s a big help! To get your money faster, it’s a good idea to set up direct deposit in your Pets Best account so they can send the money straight to your bank. Paper checks take longer.

Track Your Claim and Stay Updated

Pets Best usually takes 5 to 7 business days to process a claim. Sometimes it can be even faster if all your documents are correct and easy to read. You can track your claim status anytime by logging into your online account or using the mobile app. You can also turn on email or text notifications to get updates. If your claim is taking longer than expected, don’t hesitate to contact their customer service. Pets Best is known for having friendly and helpful support staff who are quick to respond.

Use Your Insurance the Right Way

Taking care of a pet can be expensive, especially when there’s an emergency. But having insurance like Pets Best can make a big difference. Just remember that buying the insurance is not enough — you also need to know how to use it properly. By following the steps above, keeping good records, and filing your claims correctly, you can make sure you get the most out of your coverage. This way, your pet gets the care they need, and you don’t have to worry as much about the cost.

In the end, your furry friend will be healthier, and your wallet will be happier too.

Frequently Asked Questions (FAQ) – Pets Best Insurance Claims

1. What does Pets Best insurance usually cover?

Pets Best typically covers accidents, illnesses, hereditary conditions, prescription medications, and some special treatments like acupuncture or chiropractic care. If you have the optional wellness plan, it may also include vaccinations, annual exams, and flea or heartworm prevention.

2. What is not covered by Pets Best insurance?

Pets Best does not cover pre-existing conditions, cosmetic procedures (like ear cropping), or non-medical services. It’s important to review your policy to understand the exclusions.

3. Do I have to pay the vet first?

Yes, in most cases you pay the vet bill upfront. After that, you file a claim with Pets Best to get reimbursed.

4. What documents do I need to file a claim?

You’ll need an itemized invoice from the vet, complete medical records (especially for your first claim), and any diagnostic test results. Clear photos or scans of these documents are important for a smooth process.

5. How can I submit a claim to Pets Best?

You can file your claim through the Pets Best online portal, their mobile app (available on Android and iOS), by email, or by fax. The app is often the fastest option.

6. How long does it take to process a claim?

Claims are typically processed within 5 to 7 business days, though it can be faster if all documents are complete and clear.

7. How much money will I get back from a claim?

Your reimbursement depends on your plan. Pets Best plans include a deductible, a reimbursement percentage (like 70%, 80%, or 90%), and an annual coverage limit. These details affect how much you get back.

8. Can I receive reimbursement through direct deposit?

Yes, you can set up direct deposit in your Pets Best account, which is faster than waiting for a paper check in the mail.

9. How do I track my claim status?

You can track your claim by logging into your Pets Best account or using the mobile app. You can also turn on notifications via email or text for updates.

10. What should I do if my claim is delayed or denied?

If your claim is taking longer than expected or is denied, contact Pets Best customer support. They are known for friendly and fast service and can help resolve issues.