Protecting your pets

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Our pets are part of our families. With PEMCO, you can treat them that way with flexible accident, illness and routine care coverage. Spend less time worrying about veterinary bills and more time enjoying your pet.

What's covered with PEMCO pet insurance by Pets Best?

With PEMCO Pet Insurance by Pets Best, you can pick the coverage plan that works best for your pet’s health needs and save 5% as a PEMCO member.1

A woman with her border collie.

Protecting who you love

PEMCO Pet Insurance, offered by Pets Best, helps give you peace of mind when it comes to accident and illness coverage for your pets.

BestBenefit Accident and Illness Plan

Offers comprehensive coverage for accidents and illnesses that includes emergency care, diagnostic testing, special visits and more. You can choose your deductible, reimbursement percentage and annual coverage limit. Rates vary based on location, plan, and age and breed of pet.

Accident Only Plan

If you aren’t looking for illness coverage, this is a great budget-friendly option that covers treatment of accidents including exams, X-rays, surgeries, hospitalizations and medications.

Couple petting their cat.

Covering routine care

Routine care can be important for you and those your love, including your pet.

Wellness Coverage

Routine care coverage helps pay for vaccinations, spay/neuter, bloodwork and more. No deductibles apply. Routine care coverage can be added to any BestBenefit Accident and Illness pet insurance plan for an additional premium.


Tips & Resources


15% discount applies to BestBenefit plans; discount not available in AK, FL, HI, or TN. Additional 5% discount if insuring more than one pet.

Pet insurance coverage is offered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit to review all available pet health insurance products. Terms and conditions apply. See policy for details.