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Petplan and Pets Best are two of the best pet insurance companies, offering great coverage, competitive prices and quick claim repayments. So how do you choose between the two?
As always, be sure to get your own quote to get an idea of what each will cost you. Additionally, consider the criteria we include in this comparison.
Visit Petplan’s Website | Visit Pets Best’s Website
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.
| Pets Best | Petplan | |
|---|---|---|
| Overall Ranking in our Pet Insurance Reviews | 2nd | Not Ranked |
| Blood Tests |  | |
| 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 | 6 Months |
| Chronic Conditions | | |
| Illnesses Waiting Period | 14 Days | 15 Days |
| Accidents Waiting Period | 3 Days | 15 Days |
| Hereditary Conditions | | |
| Congenital Conditions | | |
| 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, $15,000, $20,000, $25,000, Unlimited |
| BBB Rating | A+ | A+ |
| Underwriter | American Pet Insurance Company | XL Specialty Insurance Company |
| 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 companies. 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 rating combined with Petplan’s history of excellent customer service makes Petplan the winner here.
Winner: Petplan
Timeliness Of Claim Repayment
Pets Best averages claim repayments in 8 or fewer days. That’s pretty amazing in our eyes. Petplan’s 5 to 14 business 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.
We’d like to mention that Pets Best is currently experiencing longer claim repayment averages (25 to 40 days) because of the increase in customers. We are keeping an eye on this and will update our content as things change.
Winner: Pets Best
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 (60615)
- Quote is from December 16, 2019
| 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 | $38.24 |
Characteristics considered for these quotes:
- Female Standard Poodle, 2 years old
- No microchip, multi-pet discount or pre-existing conditions
- Residency in Tulsa, Oklahoma (74128)
- Quote is from December 16, 2019
| Deductible | Reimbursement % | Annual Maximum | Price Per Month | |
|---|---|---|---|---|
| Pets Best | $1,000 | 90% | $5,000 | $11.08 |
| Petplan | $1,000 | 90% | $5,000 | $20.16 |
| Pets Best | $500 | 70% | Unlimited | $18.38 |
| Petplan | $500 | 70% | Unlimited | $33.49 |
| Pets Best | $500 | 80% | Unlimited | $20.68 |
| Petplan | $500 | 80% | Unlimited | $37.29 |
| Pets Best | $250 | 80% | $5,000 | $25.65 |
| Petplan | $250 | 80% | $5,000 | $24.91 |
The quotes above show how much of a toss up it can be between these 2 companies. When we ran additional quotes, Pets Best was among the top 3 least expensive companies, and Petplan was either in the middle of the pack or leaned 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.
Winner: Pets Best
Coupons
Petplan
Pets Best
- 5% multi-pet discount
- 5% discount for military members and their families
What’s The Verdict?
In the end, Pets Best is the winner because of its low prices, short claim repayment period and thorough policy coverage. However, keep in mind that there are other pet insurance providers to consider as well. You can learn about each company’s pros, cons, pricing, coverage and more in our pet insurance reviews.
Winner: Pets Best
Which company do you think is better: Petplan or Pets Best?
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My lab is 9 years old and still very active. 3 years ago she blew her ACL diving off a dock after her Frisbee. Recently she got a severe kidney infection and spent 13 days in the hospital. I had so many invoices that the system wouldn’t accept them so my happiness manager had me send them to her personal account and I had them processed through her. Great company and really great employees a lot has been about cost, Well in the 6 years I’ve had petplan I would have had to save almost $2000 a year to cover medical costs. So I am a happy camper
Paw’s down, Pet’s Best in my book!