Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 16, 2021

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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 PetsBest compare.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

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, PetsBest 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 PetsBest, if you have an older dog or cat, Petplan doesn’t have an age limit for dogs or cats.

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Pets Best vs Petplan Coverage Compared

Pets Best and Petplan both offer comprehensive coverage.

While Pets Best offers wellness coverage (at an additional cost), Petplan, however, does offer behavioral therapy.

PetsBest Coverage Details

pets best pet insurance

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.

Hereditary and congenital conditions also have coverage such as hip and elbow dysplasia, and cruciate ligament injuries.

Related: 10 Things You Must Know Before You Buy Pet Insurance

PetsBest 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

pet plan pet insurance

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 that are deemed curable.  Most bilateral conditions are covered even if your pet has had the condition before.


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PetPlan vs. PetsBest 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.

PetsBest’ 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.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Pets Best vs Petplan Deductibles Compared

Pets Best and Petplan both offer flexible annual deductibles, but Petplan stands out by allowing you to choose between an annual and per-condition deductible.

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.

PetsBest 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.

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Petplan vs Pets Best Reimbursement Compared

Both Pets Best and Petplan have the same reimbursement options.

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.

PetsBest also pays you back on the vet medical bills.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Pet Insurance Coverage Pricing Compared

Petplan and Pets Best are similarly priced on the lower levels, but under the top tier plans, Pets Best can get expensive.

PetsBest’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.

Sample Quotes For Pets Best Insurance vs PetPlan

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.

**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more. 

Pets Best Insurance vs PetPlan – Small Mixed Breed Costs Compared

CompanyMonthly Premium
Pets Best Insurance$20.75
PetPlan Insurance$29.76
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Medium Crossbred Dogs Price Differences For PetPlan Insurance vs Pets Best

CompanyMonthly Premium
Pets Best Insurance$28.07
PetPlan Insurance$39.83
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Comparison Of Cost For Large Mixed Breed Dogs – Pets Best vs PetPlan

CompanyMonthly Premium
Pets Best Insurance$37.36
PetPlan Insurance$53.70
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Labrador Retriever Costs PetPlan Insurance vs Pets Best Insurance

CompanyMonthly Premium
PetPlan Insurance$47.96
Pets Best Insurance$51.33
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German Shepherd Costs PetPlan vs Pets Best

CompanyMonthly Premium
Pets Best Insurance$50.52
Pet Plan Insurance$55.77
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Poodle Costs Pets Best Insurance vs PetPlan Insurance

CompanyMonthly Premium
PetPlan Insurance$42.88
PetsBest Insurance$44.49
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Beagle Costs Pets Best Insurance vs PetPlan

CompanyMonthly Premium
Pet Plan Insurance$44.51
Pets Best Insurance$47.41
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Dachshund Costs Pets Best vs PetPlan Insurance

CompanyMonthly Premium
PetPlan Insurance$36.99
Pets Best Insurance$38.56
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When comparing the costs between Pets Best vs Pet Plan Insurance it really is a toss-up. 

Depending on the breed and age of your pet will determine whether you should choose Pets Best Insurance vs Pet Plan Insurance. 

Claims & Customer Service Comparison

While both PetsBest and Pet Plan have excellent customer service, Pets Best is known for speedy claims processing.

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!

PetsBest 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 – PetsBest vs PetPlan

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 PetsBest 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 2021 can help!


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance


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