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 Coverage Details
Pets Best offers three levels of coverage that are differently arranged than most other pet insurance companies. The company’s BestBenefit plan cover accidents, illnesses, emergency care, and non-pre-existing hereditary conditions like most policies.
However, all plans also include prescription coverage which not all companies do.
Pets Best also offers two tiers of wellness plans, EssentialWellness and BestWellness that can be added to these policies at additional cost.
The coverage includes blood work, dental cleanings, spaying/neutering and all the other routine treatments in their daily life.
The Elite plan even offers an additional supplemental coverage that includes rehab therapies, chiropractic and acupuncture.
Pets Best offers Accident Only coverage for those on a limited budget that want great coverage for things like broken legs, snake bites, accidental swallowing, and more.
Accident Only plans do not cover medical issues such as illness or cancer, which are covered under their BestBenefit Accident and Illness plans.
Petplan Coverage Details
Petplan offers extremely comprehensive coverage and is among the top in the industry. They handle all accidents and new illnesses without restrictions for hereditary or congenital conditions, as well as medications, advanced testing, hospital stays, rehabilitative care, and holistic therapies.
Also, all non-routine veterinary exam fees are covered in all plans, including emergency hospitals and specialists making it unique compared to other providers.
Petplan has an advantage over PetsBest as it has a more comprehensive coverage of dental injury and treatment of periodontal disease in their standard policies.
There is full coverage for dental diseases and injuries which are included as standard in the policy you choose.
Petplan is great for older pets as they insure pets of any age, with no policy exclusions for hereditary and chronic conditions. They are one of the few providers that will cover hip dysplasia in all of their policies.
Petplan covers curable pre-existing conditions after the 365 day exclusionary period following the beginning of the policy. The company also covers most bilateral conditions when one side is considered to be pre-existing.
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 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 basis and will pay the portion of your actual veterinarian bill after you have met your deductible. The percentages available are 70%, 80%, and 90%. The higher the reimbursement level, the higher the premium.
With both Petplan and PetsBest, you are reimbursed on the actual veterinary bill which is always the preferred choice.
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.