Petplan vs. Pets Best Insurance (2024)

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Understanding Pet Insurance

Pet insurance is a type of health insurance that provides coverage for veterinary costs incurred for your furry friend. It helps protect you against unexpected expenses that may arise due to accidents or illnesses that your pet may face.

Having pet insurance ensures that you can provide your pet with the best possible care without worrying about the financial burden.

But have you ever wondered why pet insurance is so important? Let’s dive deeper into the topic.

The Importance of Pet Insurance

Pet insurance plays a crucial role in ensuring that your beloved pet receives the medical attention it needs, without compromising your budget.

Just like humans, pets can suffer from accidents or illnesses that require immediate attention. From broken bones to chronic conditions, medical treatments for pets can be costly.

Imagine your furry friend suddenly falls ill and needs emergency surgery. Without pet insurance, you might find yourself facing a difficult decision between providing the necessary care for your pet or dealing with a significant financial burden.

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With the right pet insurance plan, you can rest easy knowing that your pet will receive the best care and treatment available. Whether it’s a routine check-up or a complex medical procedure, you won’t have to hesitate when it comes to your pet’s well-being.

Furthermore, pet insurance allows you to make decisions for your pet’s health based on what is best for them, without being restricted by financial constraints. It gives you peace of mind, knowing that you can provide your pet with the care they need, regardless of the cost.

Now that we understand the importance of pet insurance, let’s take a closer look at how it works.

How Pet Insurance Works

Pet insurance works similarly to other types of insurance, such as health insurance for humans. It involves paying a monthly or annual premium to the insurance provider in exchange for coverage for your pet’s medical expenses.

When your pet requires veterinary care, you will pay the veterinarian upfront, and then submit a claim to your insurance provider for reimbursem*nt. The insurance company will review the claim and reimburse you for the eligible expenses, according to the coverage specified in your policy.

It is essential to carefully review the terms and conditions of any pet insurance policy to understand what is covered, what is not covered, and any applicable deductibles or waiting periods.

Additionally, some pet insurance plans offer additional benefits, such as coverage for preventive care, vaccinations, or even alternative therapies like acupuncture or physical therapy.

Choosing the right pet insurance plan requires careful consideration of your pet’s specific needs, your budget, and the coverage options available. It’s always a good idea to compare different insurance providers and policies to find the best fit for you and your furry companion.

Remember, pet insurance is not just an expense; it’s an investment in your pet’s health and well-being. By having pet insurance, you can ensure that your four-legged friend receives the care they deserve, no matter what the future holds.

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An Overview of Petplan Insurance

Petplan is a reputable pet insurance provider that has been in operation for over 40 years. Let’s dive into its history, coverage options, and the pros and cons of choosing Petplan for your pet’s insurance needs.

History and Background of Petplan

Petplan was founded in 1976 and is one of the oldest and most experienced pet insurance companies in the industry. It was created by a veterinary surgeon who wanted to provide pet owners with affordable insurance options.

Since its inception, Petplan has grown and evolved to meet the changing needs of pet owners. With its extensive history and experience, Petplan has established itself as a trusted name in the pet insurance market.

Over the years, Petplan has developed strong relationships with veterinarians and pet owners alike, building a reputation for excellent customer service and reliable coverage.

Coverage Options with Petplan

Petplan offers comprehensive coverage for accidents, illnesses, and hereditary conditions. Their policies often include coverage for veterinary consultations, diagnostic tests, surgeries, medications, and alternative therapies.

They also provide coverage for dental treatments, behavioral therapies, and boarding fees in case you are unable to care for your pet due to hospitalization or emergency situations.

One unique feature of Petplan is their cover for congenital and hereditary conditions. Many pet insurance providers exclude these conditions, so Petplan’s coverage for such conditions can provide great peace of mind for pet owners.

Additionally, Petplan understands that every pet is unique, which is why they offer customizable policy limits and flexible reimbursem*nt options. This allows pet owners to tailor their coverage to meet their specific needs and budget.

Pros and Cons of Petplan

Like any insurance provider, Petplan has its advantages and disadvantages. Here are some key points to consider:


  • Comprehensive coverage, including hereditary conditions: Petplan’s coverage goes beyond basic accidents and illnesses, providing peace of mind for pet owners.
  • Flexible reimbursem*nt options and customizable policy limits: Pet owners have the freedom to choose the reimbursem*nt percentage and policy limits that suit their needs.
  • Ability to choose your own veterinarian: Petplan allows pet owners to visit any licensed veterinarian, giving them the flexibility to receive care from their preferred healthcare provider.
  • 24/7 customer support and a user-friendly online portal: Petplan is dedicated to providing excellent customer service and offers a convenient online portal for policy management.


  • Higher premiums compared to some other providers: Petplan’s comprehensive coverage comes at a cost, and their premiums may be higher compared to other pet insurance providers.
  • Some policyholders have experienced claims processing delays: While Petplan strives to process claims efficiently, some policyholders have reported delays in claim processing.
  • Certain pre-existing conditions may not be covered: Like most pet insurance providers, Petplan does not cover pre-existing conditions, so it’s important to carefully review the policy terms and conditions.

An Overview of Pets Best Insurance

Pets Best Insurance is another well-known pet insurance provider with its own unique offerings. Let’s explore its history, coverage options, and the pros and cons of choosing Pets Best for your pet’s insurance needs.

History and Background of Pets Best

Pets Best Insurance was founded in 2005 by veterinarian Dr. Jack Stephens, who is considered one of the pioneers of pet insurance in the United States.

Dr. Stephens recognized the need for affordable and comprehensive pet insurance options, as he witnessed firsthand the difficult decisions pet owners had to make when faced with high veterinary bills. With a deep passion for animal welfare, he set out to create a company that would provide financial support to pet owners, ensuring that they could provide the best care for their beloved companions.

Since its inception, Pets Best has grown steadily, thanks to its commitment to exceptional customer service and comprehensive coverage options.

Today, Pets Best is recognized as a leading player in the pet insurance industry, with a strong reputation for reliability and transparency.

Coverage Options with Pets Best

Pets Best offers a range of coverage options, ensuring that pet owners can find a plan that suits their specific needs.

One of the key coverage options provided by Pets Best is accident-only plans. These plans are designed to cover the costs associated with unexpected accidents, such as broken bones, poisoning, or injuries from car accidents.

In addition to accident-only plans, Pets Best also offers illness plans. These plans cover the costs of treatments and medications for various illnesses, including chronic conditions like diabetes or cancer.

For pet owners seeking comprehensive coverage, Pets Best provides plans that cover both accidents and illnesses. These plans offer the most extensive coverage, ensuring that pets are protected in a wide range of situations.

Regardless of the plan chosen, Pets Best policies typically cover costs related to veterinary exams, surgeries, medications, diagnostic tests, and emergency care. This comprehensive coverage provides pet owners with peace of mind, knowing that their furry friends will receive the necessary care without financial burdens.

Moreover, Pets Best understands the importance of preventive care. They offer add-on coverage options for routine care expenses, such as vaccinations and wellness exams. This additional coverage allows pet owners to prioritize their pet’s overall health and well-being.

Pros and Cons of Pets Best

Before making a decision, it’s important to weigh the advantages and disadvantages of Pets Best Insurance:


  • Wide range of coverage options to suit different needs
  • Flexible deductible and reimbursem*nt percentage choices
  • 24/7 access to veterinary professionals via their Pet Helpline
  • Fast and efficient claims processing
  • Access to a large network of veterinary providers
  • Option to customize coverage with add-ons


  • Some policyholders have experienced premium increases over time
  • Pre-existing conditions are generally not covered
  • Certain breeds may face breed-specific exclusions
  • Not all alternative therapies are covered
  • Some policyholders have reported limitations on coverage for older pets

By carefully considering these pros and cons, pet owners can make an informed decision about whether Pets Best Insurance is the right choice for their pet’s insurance needs.

Direct Comparison: Petplan vs. Pets Best

Coverage Comparison

Both Petplan and Pets Best Insurance provide comprehensive coverage for accidents and illnesses. This means that if your pet gets injured or falls ill, both insurance providers will help cover the cost of veterinary care.

However, Petplan sets itself apart by offering coverage for congenital and hereditary conditions, which Pets Best does not include in their standard plans. Congenital conditions are those that your pet is born with, while hereditary conditions are passed down from their parents.

This additional coverage can be particularly beneficial if you have a pet breed that is prone to certain hereditary conditions. For example, some dog breeds are more susceptible to hip dysplasia or heart conditions. With Petplan, you can have peace of mind knowing that these conditions will be covered.

Price Comparison

The cost of pet insurance can vary based on factors like your pet’s age, breed, and location. When comparing Petplan and Pets Best, it is essential to obtain personalized quotes based on your pet’s specific details.

While Petplan may have slightly higher premiums on average, Pets Best may offer more competitive rates for certain circ*mstances. It is always recommended to compare quotes from both providers to determine the best value for your pet’s needs.

Keep in mind that the cost of insurance is just one factor to consider. It’s equally important to assess the coverage provided and the overall reputation of the insurance company.

Customer Service Comparison

Both Petplan and Pets Best pride themselves on providing excellent customer service. They understand that pet owners want the best care for their furry companions, and they strive to meet their customers’ needs.

Both companies offer 24/7 access to veterinary professionals through helpline services. This means that if you have any concerns or questions about your pet’s health, you can easily reach out to experienced veterinarians for expert advice.

When it comes to claims processing, both Petplan and Pets Best aim to make the process as efficient and hassle-free as possible. They understand that dealing with insurance claims can be stressful, especially when your pet’s health is at stake.

As with any insurance provider, there may be occasional complaints regarding claims. However, overall, both Petplan and Pets Best have positive customer reviews and are known for their dedication to providing quality service.

When choosing between Petplan and Pets Best, it is essential to consider your pet’s specific needs. This includes breed predispositions and any pre-existing conditions they may have. Additionally, comparing quotes and evaluating the coverage options and customer service of both providers can help you make an informed decision.

Remember, having pet insurance is a responsible and caring choice for pet owners. It ensures that your furry companion will receive the medical care they need, without the worry of significant financial burdens. Whether you choose Petplan or Pets Best Insurance, providing your pet with the best possible care is the ultimate goal!

So, take the time to research and compare the options available to you. Your pet’s health and well-being are worth it!

Frequently Asked Questions

What is the difference between Petplan and Pets Best Insurance?

Petplan and Pets Best Insurance are both pet insurance providers, but they have different coverage options, pricing structures, and claim processes. Petplan offers comprehensive coverage with customizable options, while Pets Best Insurance offers more basic coverage with optional add-ons. It is recommended to compare their plans and features to determine which one suits your pet’s needs best.

What types of coverage do Petplan and Pets Best Insurance offer?

Petplan offers coverage for accidents, illnesses, hereditary conditions, dental diseases, and more. They also provide coverage for alternative therapies and behavioral treatments. Pets Best Insurance offers coverage for accidents and illnesses, including emergency care, surgeries, medications, and more. They also have optional coverage for routine care.

How do the pricing structures of Petplan and Pets Best Insurance differ?

Petplan’s pricing structure is based on factors such as your pet’s age, breed, location, and the coverage options you choose. They offer customizable plans that allow you to adjust deductibles and reimbursem*nt levels. Pets Best Insurance has a more straightforward pricing structure with fixed premiums based on your pet’s age, breed, and location. They also offer different reimbursem*nt options.

What is the claim process like for Petplan and Pets Best Insurance?

Petplan has a simple and straightforward claim process. You can submit claims online or through their mobile app, and they aim to process them within a few days. They offer direct payment to veterinary clinics, which means you only need to pay your portion of the bill. Pets Best Insurance also has an easy claim process. You can submit claims online, through their app, or by mail. They aim to process claims within a week and offer reimbursem*nt via check or direct deposit.

Can I use any veterinarian with Petplan and Pets Best Insurance?

Yes, both Petplan and Pets Best Insurance allow you to use any licensed veterinarian in the United States. They do not have a network of specific providers, giving you the freedom to choose the veterinarian you trust and prefer.

Are there any waiting periods or age restrictions with Petplan and Pets Best Insurance?

Yes, both Petplan and Pets Best Insurance have waiting periods before certain coverage becomes effective. The waiting periods vary depending on the specific condition or treatment. Additionally, both providers have age restrictions. Petplan typically has no age limit for enrollment, while Pets Best Insurance has an enrollment age limit of 14 years for dogs and cats.

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Written by:

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina.He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson

Insurance Lawyer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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