Petplan and Pets Best are both excellent pet insurance providers 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.
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.
While Pets Best offers wellness coverage (at an additional cost), Petplan, however, does offer behavioral therapy.
Pets Best Provides Three Different Coverage Levels:
#1 – Pets Best BestBenefit Plan:
Like most policies, the BestBenefit plan covers emergency care, accidents, illnesses, and non-pre-existing genetic conditions.
Prescription coverage is also part of this plan and a nice bonus. Coverage for cruciate ligament injuries, genetic and congenital conditions, and elbow and hip dysplasia.
#2 – Pets Best Accident Only Plan:
The Accident Only plan is designed for those who want to be covered for accidents or even snake bites.
This tends to be very inexpensive but does not cover all accident and illness. For those, you need to sign up with their BestBenefit plan.
#3 – Pets Best Elite Plan:
The Elite plan also includes extras like chiropractic work, acupuncture, and some rehabilitation therapy.
Pets Best Additional Coverages
Pets Best also gives consumers the choice of two wellness plans: EssentialWellness and BestWellness that can be added to their policies for an additional cost.
Their wellness plans will typically include dental cleanings, blood work, spaying and neutering, and other routine treatments.
Petplan also offers comprehensive coverage for dogs and cats which includes accidents, illnesses and they don’t have any restrictions on congenital or genetic conditions.
Their coverage even extends to non-routine care including:
Petplan does have an upper hand when it comes to coverage level, as they offer periodontal disease treatment through their standard policy.
Petplan, like Pets Best, is an excellent choice for those with older cats and dogs, as both have no restrictions on age or genetic or chronic conditions. Additionally, all their policies cover hip dysplasia.
Petplan also covers treatable pre-existing conditions after a 365-day period starting upon signup.
Benefit Limits Compared
When looking at benefit limits, Petplan has more flexibility in their benefits and even include up to unlimited benefits while Pets Best offer unlimited benefits only on their more expensive plan.
Pets Best’ Elite plan is the only level that offers unlimited benefits. 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 limits can be set anywhere from $2,500 to $25,000 or unlimited.
What makes Petplan unique is that their policies don’t have per-condition or 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 offers unlimited benefits.
Pets Best does provide a range of deductible options starting at $50 all the way up to $1000. Pets Best is the insurance company that we reviewed that has the option of a deductible as low as $50.
Choosing a higher deductible will save you on your monthly premium, but your pay-out costs will be higher if your pet ever requires vet care. And at a lower deductible, your monthly premium will be higher, but your potion 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 the choice of either an annual or per-incident deduction. Deductibles range anywhere from $100 all the way up to $2,500 in $50 increments.
The “per-condition” plan allows you to visit the vet or any specialist multiple times for the same illness or injury. Which means that if you have multiple claims for the same condition, you only pay de 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 an annual deductible. If you prefer a lower monthly premium, then you may want to choose a higher deductible.
Pets Best and Petplan offer reimbursement choices of 70%, 80%, and 90%. And both pay off the actual vet invoice.
Pets Best’s basic plans are standard of the industry, while their comprehensive BestBenefit plan is more expensive than most. Their Elite plan can run $55-$70 a month. And the less expensive wellness add-on is an extra $15.
Monthly plan premium for dogs starts at $28 and cats $19. If you only want an Accident Only plan, that will cost an average of $10 a month. While less expensive, this could be just the bare minimum if you want just a little something for your pet.
Discounts with Petplan include a 5% for military members and up to a 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 pets or are part of the military.
There is a wag-worthy 10% discount for veterinary professionals when they enroll online (5% veterinary professional discount + 5% online discount)
Monthly premiums for dogs start at $30 and for cats $19.
Claims And Service Compared
Pets Best claims are usually processed quickly generally 4 to 5 days. To expedite payment, you can submit your claim through their online portal, 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 help line” 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 accepted right away, 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 a 24/7 pet helpline.
Enrollment And Waiting Periods Compared
Pets Best allows pets of any age to enroll, which is rare among providers. And no upper age limits. The waiting periods are as follows: 14 days for illnesses, 3 days for accidents and routine care, and 6 months for cruciate ligament or any related conditions.
Puppies and kittens can be enrolled at 7 weeks old. Pets Best does not have any additional enrollment fees.
With Petplan, puppies and kittens can be enrolled at 6 weeks old. With no upper age limit. Accidents enrollment cat start after 5 days, and there is a 15-day waiting period for illnesses.
Pets Best and Petplan are both excellent pet insurance companies. Take a look for yourself to see if either is the right fit for you.
If you would like to see some other top-notch providers, make sure to take a look at our top 10 pet insurance companies of 2018.