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

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Trupanion vs PetplanPetplan 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
Blood TestsCheckmarkCheckmark
Emergency CareCheckmarkCheckmark
20% copay unless it's life threatening (covered at 100%)
Specialty CareCheckmarkCheckmark
Pre-Existing Conditions
Check-Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra Fee
Exam FeesCheckmarkCheckmark
Non-Routine Dental TreatmentCheckmarkCheckmark
Hip Dysplasia Waiting Period14 Days6 Months
Chronic ConditionsCheckmarkCheckmark
Illnesses Waiting Period14 Days15 Days
Accidents Waiting Period3 Days15 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Alternative/Holistic TherapyCheckmarkCheckmark
Behavioral TherapyCover related exam fees & RX medsCheckmark
Prescription MedicationsCheckmarkCheckmark
Enrollment Fee
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim Limits$5,000 or Unlimited$2,500, $5,000, $10,000, $15,000, $20,000, $25,000, 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 & 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

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$1,00090%$5,000$23.50
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$1,00090%$5,000$11.08
Pets Best$50070%Unlimited$18.38
Pets Best$50080%Unlimited$20.68
Pets Best$25080%$5,000$25.65

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



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!

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?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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