Pet Insurance

Pet Insurance  


Pet Insurance for Your Family's Cat or Dog

Pets are part of the family which is why MOAA members may save up to 10% on premiums* for the BestBenefit Accident/Illness pet health insurance plans from Pets Best, a leading U.S. agency. Pets Best was founded by a veterinarian in 2005 and has paid over $200 million in pet insurance claims to pet owners just like you.


Choose from Accident/Illness or Accident Only Plans

BestBenefit Accident/Illness Plans from Pets Best offer the most comprehensive coverage, providing eligible veterinary expenses reimbursement when your cat or dog becomes sick or gets injured. BestBenefit Accident/Illness Plans help you afford the best course of treatment and can help give you peace of mind as a pet owner.

BestBenefit Accident/Illness Plans help pay for things like:

  • Surgeries
  • Emergency visits
  • Cancer treatment
  • Exams
  • Prescriptions
  • X-rays
  • And much more…

Pets Best also offers Accident Only Pet Insurance Plans at prices pet owners can afford. You can protect your pet with coverage for treatment of virtually any accidental injury. You can also add-on Pets Best Wellness coverage which provides benefits for routine care needs like annual checkups and immunizations to the BestBenefit Accident/Illness Plans.


Save Money

As a member of MOAA, you may get up to a 10% discount on premiums for the BestBenefit Accident/Illness Plans.*


No Networks

You choose any licensed veterinarian, emergency veterinarian, or veterinary specialist in the U.S or Canada.**


Easy Claims

Submitting claims is quick and easy using the Pets Best app or your online customer account. You could take a picture of the veterinary invoice and upload directly from your phone, before you even leave the vet's office!


Manage Your Account Online

From your computer, smartphone or mobile device, you can file claims, make adjustments to your policy, add pets, and access your claim status — all online. The Pets Best easy-to-use customer portal does all this, plus gives you full access to your policy and benefit information. The customer portal also allows you to add and manage direct deposit information so you’ll get your claim reimbursement faster.


24/7 Pet Helpline

Call, chat, or email with a veterinary expert any time of the day to get decision support about how best to care for your pet. From emergencies to behavior questions, the helpline is there for you.

Get a Quote

Start your online quote today using referral code "MOAA" or call 1-877-934-9423 and mention referral code: MOAA.***


*The 5% Military discount and the 5% Group discount apply only to BestBenefit Accident/Illness plans; discounts not available in AK, HI, or TN. Additional 5% discount if insuring more than one pet. Maximum allowable discount is 12%. Discounts do not apply to the Accident Only Plan or the add-on Wellness coverage. 


**Includes U.S. territories, military bases and installations. A U.S. address is required to obtain coverage and the pet needs to reside in the state where the policy is issued. For MOAA members overseas, coverage can only be used for care received on base, and treatment by a veterinarian outside of the base is not covered. 


***Discounts are already applied to your online quote when you enter referral code "MOAA". When calling for a quote over the phone, you must mention referral code "MOAA" to obtain the discounts. 


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.


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




Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

Underwritten by:
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company or Independence American Insurance Company.

2323S. Vista Ave. Ste. 100
Boise, Idaho 83705
[email protected]
Visit online for online quotes and to see plan descriptions.
AMBA's Role & Compensation