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As always, be sure to get your own quote to get an idea of what each will cost you. Additionally, consider the criteria we’ve laid out in this comparison below.
Visit Petplan’s Website | Visit Pets Best’s Website
| Petplan | Pets Best | |
|---|---|---|
| Policy Coverage |  | |
| Customer Service & Reputation | | |
| Timeliness of Claim Repayment | | |
| Price of Policy | | |
| Overall Winner | |
Policy Coverage
It’s helpful to see how Petplan and Pets Best compare when you see what’s covered by each company side by side. The table below shows how the 2 are similar and how they differ in what they cover.
| Pets Best | Petplan | |
|---|---|---|
| Overall Ranking in our Pet Insurance Reviews | 2nd | 3rd |
| X-Rays | | |
| Blood Tests | | |
| Ultrasounds | | |
| MRI | | |
| Rehabilitation | | |
| Surgery | | |
| Hospitalization | | |
| Emergency Care | | 20% copay unless it's life threatening (covered at 100%) |
| Specialty Care | | |
| Pre-Existing Conditions | ||
| Check-Ups, Vaccinations, Spay/Neuter, Teeth Cleaning | Extra Fee | |
| Exam Fees | | |
| Non-Routine Dental Treatment | | |
| Hip Dysplasia | Waiting Period - 14 Days | Waiting Period - 15 Days |
| Chronic Conditions | | |
| Illnesses | Waiting Period - 14 Days | Waiting Period - 15 Days |
| Accidents | Waiting Period - 3 Days | Waiting Period - 5 Days |
| Hereditary Conditions | | |
| Congenital Conditions | | |
| Cancer Treatments | | |
| Diagnostic Treatment | | |
| Alternative/Holistic Therapy | | |
| Behavioral Therapy | Cover related exam fees & RX meds | |
| Prescription Medications | | |
| Enrollment Fee | ||
| 30-Day Money Back Guarantee | | |
| Claim Limits | $5,000 or Unlimited | $2,500, $5,000, $10,000, $20,000, $25,000 or Unlimited |
| BBB Rating | A+ | A+ |
| Underwriter | American Pet Insurance Company | XL Specialty Insurance Company (XL Catlin) |
| A.M. Best Rating | Unrated | A |
| No Exam Required to Set Baseline for Pet's Health | |
As you can see, coverage is pretty similar for these two. Both cover exam fees and have short waiting periods for illnesses and accidents. Pets Best offers wellness coverage while Petplan covers behavioral therapies.
Winner: Petplan & Pets Best (Tie)
Customer Service & Reputation
Both companies have an A+ rating from the Better Business Bureau. However, Petplan’s underwriter has an A rating from A.M. Best while Pets Best’s is unrated. This is an indication that Petplan is less of a risk than Pets Best. This combined with Petplan’s history of excellent customer service makes Petplan the winner here.
Timeliness Of Claim Repayment
Pets Best averages claim repayments in 5 days or less. That’s pretty amazing in our eyes. Petplan’s 5 to 7 days is also a good repayment average but the company allows up to 30 days. We think it’s hard to beat Pets Best on this factor.
Price Of Policy
Another way to compare 2 of the best pet insurance providers is to run quotes for both. Keep in mind that quotes vary based on breed, age, location and more, so it’s important to get quotes for your particular pet. We recommend running quotes from our top three pet insurance companies to help you make your decision.
Characteristics considered for these quotes:
- Male Yellow Labrador Retriever, 8-months-old
- No microchip, multi-pet discount or pre-existing conditions
- Residency in Chicago, Illinois (zip code 60615)
- Quote is from December 26, 2018
| Deductible | Reimbursement % | Annual Maximum | Price Per Month | |
|---|---|---|---|---|
| Pets Best | $1,000 | 90% | $5,000 | $23.50 |
| Petplan | $1,000 | 90% | $5,000 | $27.43 |
| Pets Best | $500 | 70% | Unlimited | $38.97 |
| Petplan | $500 | 70% | Unlimited | $37.52 |
| Pets Best | $500 | 80% | Unlimited | $43.84 |
| Petplan | $500 | 80% | Unlimited | $43.61 |
| Pets Best | $250 | 80% | $5,000 | $54.37 |
| Petplan | $250 | 80% | $5,000 | $38.21 |
Characteristics considered for these quotes:
- Female Standard Poodle, 2-years-old
- No microchip, multi-pet discount or pre-existing conditions
- Residency in Tulsa, Oklahoma (zip code 74128)
- Quote is from December 26, 2018
| Deductible | Reimbursement % | Annual Maximum | Price Per Month | |
|---|---|---|---|---|
| Pets Best | $1,000 | 90% | $5,000 | $11.08 |
| Petplan | $1,000 | 90% | $5,000 | $19.66 |
| Pets Best | $500 | 70% | Unlimited | $18.38 |
| Petplan | $500 | 70% | Unlimited | $25.30 |
| Pets Best | $500 | 80% | Unlimited | $20.68 |
| Petplan | $500 | 80% | Unlimited | $29.24 |
| Pets Best | $250 | 80% | $5,000 | $25.65 |
| Petplan | $250 | 80% | $5,000 | $25.76 |
The quotes above show how much of a toss up it can be between 2 companies. We ran other quotes in which Pets Best was among the top 3 least expensive companies, and Petplan was either in the middle of the pack or more towards the expensive end.
This is why we encourage you to get quotes for your specific dog, so you have a clear idea of how much it will cost to cover your pet from multiple companies. With the information from our collected quotes, Pets Best wins this category.
Coupons
Petplan
Use coupon code CanineJournal to receive an additional 5% discount (10% total if you sign up online). Alternatively, if you call 800-237-1123 you will automatically get the additional 5% discount! You can also visit our dedicated Petplan promotions page to discuss current offers.
Pets Best
Our readers have access to an exclusive PetsBest discount of 5% off BestBenefit plans for the first year! Just use this link to get started (Eligible in all states except AK, FL, HI and TN and does not apply to accident-only plan or wellness rider). You can also visit our dedicated Pets Best promotions page to discuss current offers.
Overall Winner
In the end, we rank Pets Best higher in our pet insurance reviews than Petplan. However, keep in mind that there are other pet insurance providers that you can consider as well. You can learn about each companies’ pros, cons, pricing, coverage and more in our pet insurance reviews.
Which company do you think is better, Petplan or Pets Best?
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