Petplan and Pets Best are both excellent pet insurance companies with very comprehensive plans and coverage.
Our team took an in-depth look at coverage, pricing, and benefit limits to see how Petplan and Pets Best compare.
Table of Contents:
Pets Best vs. Petplan Summary
Pets Best is among the best insurers offering comprehensive insurance plans for cats and dogs.
They extend two wellness package levels that include routine treatment and care. Like other pet insurance companies, Pets Best provides standard coverage for items like exam fees, prescription medications, and even alternative therapy.
They stand out from other companies by doing away with age restrictions for either dogs or cats. Nevertheless, the company only includes unlimited benefits with their more expensive plans.
Petplan is consistently rated as one of the best pet insurance companies from overall coverage to customer service.
Petplan’s comprehensive is among the few we have reviewed that includes veterinary exam fees (as long as it is not a routine checkup).
Their flexible plans make it easy for its customers to customize their plans. Just like Pets Best, if you have an older dog or cat, Petplan doesn’t have an age limit for dogs or cats.
Pets Best vs. Petplan Coverage Compared
While Pets Best offers wellness coverage (at an additional cost), Petplan, however, does offer behavioral therapy.
Pets Best Coverage Details
Pets Best has three different coverage plans that they offer.
The BestBenefit plan covers typical illnesses, accidents, and hospital emergency room visits like other companies.
But they also cover medical prescriptions which is a nice addition.
Pets Best also hast two different wellness plan offerings, EssentialWellness, and BestWellness which can be an addition to your basic policy for a monthly fee.
This coverage will include preventative care and routine treatments such as spaying or neutering your pets, vet visits, tick control, and other less expensive treatments.
The Elite plan even offers some other types of therapies such as chiropractic care and acupuncture.
Pets Best Accident Only coverage is ideal for those on a limited budget that want great coverage for things like snake bites, injured or broken limbs and your pet ingesting the wrong thing.
Accident Only plans don’t cover any illnesses, only accidents.
Petplan Coverage Details
Petplan has very comprehensive coverage ranking among the top in the industry. They handle accidents, illnesses congenital and hereditary conditions as well as such things as prescriptive meds, hospital stays and even alternative therapy options.
Also, all veterinary fees when your dog or cat gets treated are covered in all plans, including emergency hospitals and specialists making it unique compared to other providers.
Petplan outdoes PetsBest by covering periodontal disease in their standard plans.
Petplan will enroll dogs and cats at any age and are one of the few companies that allow a dog with hip dysplasia to be enrolled.
After 365 days, Petplan covers the pre-existing conditions that are deemed curable. Most bilateral conditions are covered even if your pet has had the condition before.
PetPlan vs. Pets Best Benefit Limits
Petplan has more options in their benefit levels and even include up to unlimited benefits while Pets Best offers unlimited benefits only with their more expensive plan.
Pets Best’ Elite plan is the only level that has an unlimited benefit option. The two lower-tiered policies have an annual benefit that caps $5,000, a very limiting amount when you consider the current costs of treatment; a hurt paw could easily cost $6,000.
Petplan benefit limit choices are from $2,500 up to $25,000 or even an unlimited option.
What makes Petplan unique is that their policies don’t have per-condition limits or even lifetime limits. This is a nice option to have for pets that have diseases or conditions that need several vet visits for treatment. Only their higher-end plan has an unlimited benefit option.
Pets Best vs Petplan Deductibles Compared
Both Pets Best and Petplan have flexible annual deductibles, but Petplan goes one step further and allows you to opt for either an annual or what’s called a per-condition deductible.
Pets Best does provide deductible options starting at $50 all the way up to $1000. Pets Best is the only pet insurance provider with an option of a deductible as low as $50.
Choosing a higher deductible will save you money on the monthly premium, but your pay-out costs will be higher if your pet ever requires vet care. And at a lower deductible, the monthly premium will be higher, but your portion of the bill will be lower.
Pets Best also offers two wellness plans. With wellness plans, you don’t have to meet a deductible which allows you to be reimbursed as soon as possible. Wellness plans, some of the procedures they offer are check-ups, vaccinations, and even spaying and/or neutering your pet.
They start at $16 a month for the lower end wellness plan and $26 a month for the upper-tier wellness program.
Petplan gives you an option of either an annual or per-incident deduction. Deductibles range anywhere from $100 all the way to $2,500 in $50 increments.
The “per-condition” deductible means you can go to the vet as many times as needed for a specific medical illness or injury. This means that if you have multiple claims for a similar condition, you only pay the deductible once.
This plan could be appealing to pet owners whose dogs or cats have a serious disease or conditions that need treatment.
You can also choose the one-time deductible each year. If you prefer a less expensive monthly rate, then you may want to choose a higher deductible.
Petplan and Pets Best Reimbursement Compared
Pets Best gives you the option of setting your reimbursement at 70%, 80%, and 90%. This is a consistent feature of the best pet insurance providers PetsBest also pays out on the actual vet bills as do the other top providers. As with deductibles, the higher the monthly premium, the more you will get reimbursed for that claim.
Petplan similarly works on a percentage reimbursement structure and will pay the portion of your actual veterinarian bill after the deductible has been met. The percentages available are 70%, 80%, and 90%. The higher the reimbursement percentage that you choose, the higher the premium.
Pets Best also pays you back on the vet medical bills.
Pet Insurance Coverage Pricing Compared
Pets Best’s basic plans are standard in the marketplace, while their BestBenefit plan is more expensive than most. Their Elite plan can cost around $55-$70 monthly. And the cheaper wellness add-on is another $15.
Monthly plans for dogs will starts at $28 and cats $19. If you only want an Accident-Only policy, that will cost an average of around $10 each month. While less expensive, this could be just the bare minimum if you want just a little something for your dog or cat.
Discounts with Petplan include 5% for military members and up to 5% for each additional pet enrolled.
Petplan pricing is standard among the industry. If you are looking for discounts, they offer a reduced rate if you register online or if you have medical service dogs or are part of the military.
There is a 10% discount for veterinarians when they enroll online.
Monthly premiums for dogs start at $30 and cats are $19.
Claims & Customer Service Comparison
Pets Best claims are usually processed quickly generally 4 to 6 days.
To expedite payment, you can submit your claim through their portal that is online, where you can also see the exact status of your claim. They also offer direct deposit, so the reimbursement will go right into your bank account!
Pets Best will not raise your premium no matter how many claims you make in the policy year.
Pets Best also offers whiskerDocs, a 24-hour veterinary “pet helpline” offering round-the-clock expert support to help answer all your pet health-related questions.
WhiskerDocs provides professional advice and support for pet owners via live chat, email, and phone.
Petplan’s payout timeframe is usually within a month. If your claim is immediately accepted, it can be processed in one to two weeks.
Petplan “Telehealth” service is available to all customers and offers emergency telephone consultations. Petplan also has pet helpline that is offered around the clock.
Waiting Periods & Enrollment Compared
While Pets Best and Petplan offer the same waiting period requirements, with Pets Best, you can enroll your dog or cat whatever their age is!
Pets Best allows pets of any age to enroll, which is rare among providers. And dogs or cats of any age can enroll.
The waiting periods for coverage are the following:
- 14 days for illnesses
- 3 days for accidents
- 3 days for preventative care
- 6 months for any ligament issues.
With Petplan, puppies and kittens can be enrolled at 6 weeks old. With no upper age limit. Accidents enrollment cat start after 5 days; illnesses can be claimed after 15 days.
Both Pets Best and Petplan are top-notch pet insurance companies. Check them out to see if they work for you and your pet.
If these companies aren’t the best fit, there are several other company comparisons to help you decide which is the perfect carrier.
If you want to compare these two to some other great providers. Out list of the top 10 pet insurance companies for 2020 can help!