Get your pet quote

Get a quote to fit your needs.




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.



​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 and 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


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.