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

Two dogs running (caption: Petplan vs Pets Best logos)Petplan and Pets Best are two of the best pet insurance companies, offering great coverage, competitive prices, and easy 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

Dog under covers (caption: Policy Coverage Winner)Policy Coverage

The table below shows specifically what Petplan and Pets Best cover. Both companies cover x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, euthanasia, non-routine dental treatment, hereditary conditions, congenital conditions, and prescription medications.

 Pets BestPetplan
Overall Ranking in our Pet Insurance Reviews3rdNot 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
Annual Payout Options$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 (although you must upgrade your plan with Pets Best for this coverage) and most of the necessary treatment needs for accidents or illnesses. Pets Best offers wellness coverage, while Petplan doesn’t.

However, Pets Best wins this category by a slight edge because its waiting periods for accidents and hip dysplasia are much shorter than Petplan’s. And Petplan charges a 20% copay for all non-life-threatening emergency care, while Pets Best does not.

Pets Best logoPolicy Coverage Winner: Pets Best 

Customer Service & ReputationPerson holding phone next to dog (caption: Customer Service 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 100Customer Service & Reputation Winner: Petplan

Claim RepaymentDoctor's office papers (caption: Claim Repayment Winner)

Petplan allows up to 30 days for claim repayments, but they have an average of 22 days. Petplan used to have a shorter claim repayment average (around 5 days) but is experiencing delays due to COVID-19.

Pets Best used to average claim repayments in eight or fewer days, but they’ve fallen behind over the last year or so due to a higher volume of customers. Now, their averages are 25 to 40 days. 

Both companies have a vet direct pay option, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement. However, this may not be available everywhere, so check with your vet to see if this is an option for you, no matter which provider you choose.

Petplan logo 100Claim Repayment Winner: Petplan

Plan Customization

Several types of dogs sitting together (Caption: Customize Plan Winner)Pets Best offers two annual payout options: $5,000 or unlimited. You can also choose your reimbursement level of 70%, 80%, or 90% and deductible of either $50, $100, $200, $250, $500, or $1,000.

Petplan also offers a lot of customizable options. You can choose your annual payout from $5,000, $15,000, or unlimited, reimbursement level of 70%, 80%, or 90% and annual deductibles of $250, $300, or $500.

This category is a draw because both Pets Best and Petplan are among the top pet insurance companies that give you a great deal of flexibility when building your plan.

Pets Best & Petplan logosPlan Customization Winner: Pets Best & Petplan (Tie)

Price Of Policy

Dog laying next to money (caption: Pricing Winner)

Another way to compare two 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 essential to get quotes for your particular pet. We recommend running quotes from our top 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 January 2021
 DeductibleReimbursement %Annual PayoutPrice 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 January 2021
 DeductibleReimbursement %Annual MaximumPrice Per Month
Pets Best$50070%Unlimited$31.03
Pets Best$50080%Unlimited$34.91
Pets Best$25080%$5,000$43.30

The quotes above show how much of a toss-up it can be between these two companies. When we ran additional quotesPets Best was among the top three 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 logoPrice Of Policy Winner: Pets Best



There are no Petplan promo codes at this time. Sign up online to receive the best possible price from Petplan. 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 and thorough policy coverage. However, if you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Petplan and Pets Best so you can expand your comparison.

Pets Best logoOverall Winner: Pets Best

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, which includes more than 20 companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

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