Petplan vs Pets Best: Who’s Best In Class?

Petplan vs Pets Best logosPetplan 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 BestPetplan
Overall Ranking in our Pet Insurance Reviews2ndNot Ranked
Pre-Existing Conditions
Check-Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra Fee
Exam FeesExtra FeeCheckmark
Hip Dysplasia Waiting Period14 Days6 Months
Illnesses Waiting Period14 Days15 Days
Accidents Waiting Period3 Days15 Days
Behavioral TherapyCover related exam fees & RX medsCheckmark
Prescription MedicationsCheckmarkCheckmark
Enrollment Fee
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim Limits$5,000 or Unlimited$5,000, $15,000, Unlimited
BBB RatingA+A+
UnderwriterAmerican Pet Insurance CompanyXL Specialty Insurance Company
A.M. Best RatingUnratedA+
No Exam Required to Set Baseline for Pet's HealthCheckmark

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.Petplan vs Pets Best logos

Winner: Petplan & Pets Best (Tie)

Customer Service & ReputationPerson holding phone next to dog: Customer Service & Reputation Winner

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.Petplan logo 200

Winner: Petplan

Timeliness Of Claim RepaymentDoctor's office papers: 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.

Pets Best logoWinner: 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
 DeductibleReimbursement %Annual MaximumPrice Per Month
Pets Best$50070%Unlimited$38.97
Pets Best$50080%Unlimited$43.84
Pets Best$25080%$5,000$54.37

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
 DeductibleReimbursement %Annual MaximumPrice Per Month
Pets Best$50070%Unlimited$31.03
Pets Best$50080%Unlimited$34.91
Pets Best$25080%$5,000$43.30

Dog laying next to money: Price Of PolicyThe quotes above show how much of a toss up it can be between these 2 companies. When we ran additional quotesPets 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.

Pets Best logoWinner: Pets Best



Our readers can save up to 10% & get a $25 Visa gift card when you enroll today with Petplan. Sign up online to receive this offer and get a quote for your pet. Alternatively, call 800-237-1123 if you prefer to speak to a person.

Pets Best

Pets Best offers two discounts that you may be eligible for when you use this link:
  • 5% multi-pet discount
  • 5% discount for military members and their families
You can also visit our dedicated Pets Best promotions page to discuss current offers.

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.

Pets Best logoWinner: Pets Best

Which company do you think is better: Petplan or Pets Best?

Please Comment Below!

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