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Pets Best — Appeal a Denied Claim

Pets Best requires written appeal letters mailed to its Boise claims office within 60 days of the denial. The appeal must set forth why the policyholder believes the denial was incorrect, with any supporting written comments, documents, or other relevant information. A Second-Level external review by an impartial veterinarian (selected by Pets Best, independent of the carrier) is available — the request must be made in writing within 30 days of the first-level decision; the second-level reviewer issues a determination within 60 days.

Last verified 2026-05-06 · Verification pending — see citations below

Quick reference

Appeal channel

Portal: Sign in

1-877-738-7237

Pets Best Insurance Services, Claim Department, 2710 Sunrise Rim Road Ste 100, Boise, ID 83705

Appeal window

60 days from denial

Carrier response

Verification pending

Underwriter

Pets Best Insurance Services, LLC (administrator); underwritten by American Pet Insurance Company (NY), Independence American Insurance Company (DE — 11333 N. Scottsdale Rd #160, Scottsdale AZ 85254), or MS Transverse Insurance Company.

What the appeal letter must include

  • •Claim number
  • •Policy number
  • •Reasons you contend the denial was incorrect
  • •Supporting written comments or documents

Required attachments

  • •Any written comments, documents, or relevant information supporting the appeal
  • •Vet medical records if disputing a pre-existing or hereditary finding

Common denial reasons at Pets Best

Based on the carrier's own policy language and consumer-complaint patterns. Pick the closest match for the cited reason in your denial letter.

Pre-existing condition

The carrier is saying your pet had this issue — or showed signs of it — before they started insuring you. Whether they're right depends on what your vet records actually show, when the first symptoms appeared, and how the carrier defines 'pre-existing' in your specific policy.

Waiting period

The carrier is saying the symptoms or treatment date fell inside the time window where your coverage hadn't yet kicked in for that category. Whether they're right depends on what 'date of incident' means in your policy: is it the date of first symptom, date of diagnosis, or date of treatment?

Hereditary / genetic

The carrier is saying this condition is genetic and not their problem. Whether they're right depends on what your specific policy says: most current carriers cover hereditary conditions, sometimes by default, sometimes via rider. Older policies were stricter.

External escalation

Pets Best's sample policy describes the carrier-side first and second-level review steps. State-DOI complaint pointer is not on the consumer-facing pages but is implicit through standard P&C-insurance regulation; consult your state's Department of Insurance directly.

Find your state insurance commissioner →

Sources

We use Google Analytics to understand which carrier hubs and denial-reason pillars are most useful. We never log the specific inputs you put into the Appeal Letter Generator — that runs entirely in your browser. Read our privacy policy.