Pets Best Pet Insurance Tennessee Review
Pets Best is administered by Pets Best Insurance Services, LLC and underwritten in Tennessee by Independence American Insurance Company.
Coverage
The Tennessee selector links an IAIC sample with 3-day injury, 14-day illness and 6-month cruciate waits. Adding a supplemental benefit or raising the annual limit requires cancellation and a new policy with fresh waits and pre-existing-condition review. Individual claim experience does not change the premium. Its trial period offers a full refund within 30 days of the Policy Effective Date if no claims have been paid, voiding coverage from inception; ordinary cancellation refunds unearned premium pro rata. No state amendment is appended to this download. Current enrollment and the complete issued package remain unverified.
Scores in Tennessee
Without rate pages there is no lifetime cost, so Pets Best is not ranked in Tennessee. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Pets Best in Tennessee are not public or not yet read, so there is no price by age.
Rate filings
No filings recorded yet.
References
- 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Added Minnesota, South Carolina and Tennessee sample cards and links; distinguished Minnesota's 15-day refund period and replacement-policy terms from the Florida review.
- Updated New Jersey and Washington cards: separate programs, verified rate history, scheduled changes and remaining unknowns. Added New York's currently linked APIC sample and state amendment, distinguishing annual repricing from the three-year term.
- Stated that Florida approved the 2026 rates on 3 September 2026, a day after their 2 September effective date; put the 2023 amendment's deadlines in the past tense; clarified the source of the $51.4 million: it is APIC's 2024 California earned premium for Pets Best in filing 25-2461, where CDI 24-2140 is listed as that program's latest filing
- Added BBB and Trustpilot ratings checked on 13 October 2026
- Corrected after review: the 2026 Florida increase is now given as +24.4% for accident-and-illness coverage (+20.2% overall) against indications of +60.5% and +51.6%; added the first-year vet-exam discount; corrected the age-cap description, the legacy age table, the 2023 agreement amendment and the California filings
- Rewritten from the approved versions of filings 26-026451 and 26-022783: final 2026 increase, closed legacy block, Florida policy terms, open questions
- Draft page from filing IAIC 26-026451