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Our pets are part of our families. With PEMCO's partnership with Pets Best, 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 furry family member.

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.



​Pet insurance helps provide pet parents with peace of mind by reimbursing them on a portion of their dog or cat’s eligible veterinary bills. Customers can get flexible accident, illness and routine care coverage customized to their pet and budget.

​ If  your pet becomes ill or injured  take them to  get treatment from any licensed veterinarian . After paying for the treatment,   you file a claim  with Pets Best online or using their mobile app . After your claim is processed, you’ll be reimbursed on the eligible veterinary expenses.

Like all insurance plans, pet insurance is a great way to help prepare for the unexpected. Pet insurance  can help with unexpected vet visits, large out-of-pocket expenses, or treatment for serious illnesses that can prove to be a financial burden without a pet insurance plan in place.

On average,  the BestBenefit Accident and Illness pet insurance plan  only  costs  several  hundred dollars per year helping many pet parents to save on their vet bills. Prices vary based on the age ,  breed , and location  of your dog or cat. Other factors to the overall cost include how much coverage you want , the deductible you choose,  and the reimbursement option you select during enrollment.   

The Accident Only pet insurance plan is only $10 or less a month, regardless of your dog or cat’s age or breed.  



​ No pet insurance company covers pre-existing conditions. But, if your pet does have a pre-existing condition, there are still many future health issues that pet insurance may be able to cover. Elective a n d experimental therapies and treatments along with non-veterinary expenses  like food, special diets, vitamins, and supplements are also not covered.  Please review the policy form for a complete list of exclusions.

​ Your pet insurance plan will reimburse you for a percentage of your out-of-pocket costs  on eligible veterinary treatment , minus your deductible  based on the deductible limit and reimbursement amount you choose. You can select reimbursement amounts from  70%, 80% and 90%.   

Tips & Resources


1 5% 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 offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best Insurance Services, LLC (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.