Pet Insurance

Pet Insurance  

Overview

Shouldn’t every member of your family have health insurance?


Pets eat things they shouldn’t, like their toys or a chocolate bar. These unexpected accidents and illnesses can put a dent in your wallet and put you in a situation where you are required to make a difficult decision. So shouldn't every member of your family have health insurance?

Pets Best pet insurance can cover illnesses, surgeries, cancer, and much more for your dog or cat. Pet insurance reimburses you on your veterinary bills when your dog or cat gets sick or injured. Pet insurance helps you afford the best course of treatment, protects against major financial setbacks, and can give you peace of mind as a pet parent. Having a pet insurance plan allows you to focus on getting the best care for your pet without worrying about the financial burden. Pets Best also offers wellness coverage for routine care.

Here are some other benefits of being a Pets Best customer:

  • Save Money – You get an exclusive 5% discount on your monthly premiums plus another 5% if you have two or more pets.*
  • Use Any Veterinarian – Choose any licensed veterinarian, emergency vet, or specialist in the U.S. There are no networks.
  • 24/7 Pet Helpline – All Pets Best policyholders receive access to a 24/7 pet helpline to help answer pet health and behavior questions, and to help assess if urgent care is needed.
  • Get Reimbursed Quickly – Most claims get processed within 5 days, so you’ll get reimbursed quickly.
  • Mobile App – With the Pets Best App, you can access your customer account or file a claim from anywhere, even while at the veterinarian's office.
Enrollment

Enrollment begins June 1, 2019

Our fast and easy enrollment process means you can start protecting your pet sooner.

How It Works

Pets Best Has 3 Types of Plans

 

Dogs and cats of any breed can be enrolled in a pet insurance plan starting at 7 weeks old, up to any age.

 

Accident-Only Plan BestBenefit Accident &
Illness Plan
Wellness Plan
Budget friendly plan.

Most popular and comprehensive plan.

Can be added on to the BestBenefit plan.

Coverage for accidents only, no illnesses. Accidents Examples: Broken bone, laceration, eating a toy or sock, etc. Illness Examples: Cancer, ear infection, allergies, diabetes, etc. Coverage for items such as: Vaccinations, teeth cleaning, and flea & tick prevention.

 

*Discount not available in all states. Rate discounts apply to BestBenefit plans only and apply as follows: 5% group discount and 5% multiple-pet discount when insuring two or more pets. Pet Insurance offered and administered by Pets Best is underwritten by American Pet Insurance Company. Please visit www.americanpetinsurance.com to review all available pet health insurance products.

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-866-228-3516
 Hours
 M-F 9a-6p ET
 Email
customer.service@mercer.com

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is eligible?

    All benefits-eligible employees are eligible to receive preferred pricing on pet insurance for their dogs and cats of any breed, starting at 7 weeks old, up to any age.
  • When can I enroll?

    ANYTIME! After you receive a quote, you can enroll immediately if you'd like.
  • When will coverage start?

    You may enroll in this program at any time—enroll by the 15th of the month for coverage beginning the first day of the following month. Enroll after the 15th of the month for coverage beginning the first day of the month following next month. Accident, Illness and Wellness (if selected) coverage will begin as of the effective date. Please note that for both payroll deduction and direct billing there is a 6-month waiting period from the policy start date for cruciate ligament issues.

     

    No contract or commitment - you can cancel anytime. 30-day money back guarantee. If you are paying with your own payment method, your policy start date will be the date you enroll, however, in addition to the cruciate ligament waiting period, additional waiting periods will apply. 

  • Who is the provider?

    • Pets Best was founded by a veterinarian, whose mission is to save pets because he understands the incredible bond we create.
    • Since their founding in 2005, they've paid out over $200 million in pet insurance claims to pet parents just like you.
    • Customers rate Pets Best 9.2 out of 10.**
    • In 2016-2017 Pets Best was featured in stories in Forbes, The New York Times, People Magazine, CNBC, and Women’s Health Magazine.

     

    **Customer rating of 9.2 on Trustpilot as of 03/04/2019.

  • How much will this coverage cost?

    Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own.

    1. The BestBenefit Accident & Illness Plan
      The cost is based on the pet’s age, breed, and location. So you have to get a quote to see how much a plan will cost. But a common monthly price range is $30-$60.
    2. Accident Plan
      A flat rate of $6/mo. for cats and $9/mo. for dogs.*

     

    With both the BestBenefit Accident & Illness Plan and the Accident Only Plan, you have the option to add a Wellness Routine Care Plan. The EssentialWellness plan is $16/mo. and the BestWellness plan is $26/mo.*

     

    *Prices shown as monthly rates. Rates in WA state: Accident Plan is $7 for cats and $10 for dogs; EssentialWellness is $14 and BestWellness is $30. Discount not available in all states. Rate discounts are available in most states and apply to BestBenefit plans only. Discount apply as follows: 5% group discount and 5% multiple-pet discount when insurance two or more pets. Pet Insurance offered and administered by Pets Best is underwritten by American Pet Insurance Company. Please visit www.americanpetinsurance.com to review all available pet health insurance products. Customer rating of 9.2 on Trustpilot as of 03/04/2019.

  • If I leave my employer, will I be able to keep my coverage?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.
  • What's not covered?

    • Pre-existing conditions (for example, allergies) are not covered. But, even if your pet has a pre-existing condition, there are still thousands of other future health issues that pet insurance covers.
    • It’s not liability insurance and it’s not life insurance for pets.
  • How do I file a claim?

    It’s easy. You can submit a claim online through our app by simply snapping a photo of your receipt. Pets Best can also receive claims through email, fax, or mail. Pets Best processes most claims within 5 days, and can deposit reimbursement right back to your bank account. Plus, their easy-to-use portal gives you real time access to manage your claims. 
  • How does my veterinarian receive payment?

    You pay your veterinarian directly and then submit a claim to Pets Best. They will adjust your claim and reimburse you according to your plan. They also have a vet-direct reimbursement option if you would like your vet to be paid directly. 
  • Are prescriptions covered under my policy?

    Yes. Prescription medications to treat an accident and/or illness are covered. (Unless you opted to remove prescription coverage to lower your premium.) 

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.