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Petco Pet Insurance vs. Pets Best

Petco and Pets Best are two of the best values in the pet insurance market. Petco offers one, simple, affordable plan that covers accidents and illnesses. Pets Best offers three different accident and illness options as well as two wellness plans. See how the two stack up side-by-side in the chart below.

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Petco Insurance Pets Best Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 19 7,645
Deductible: $100 - $500 $50 - $1,000
Reimbursement: 70% - 90% 70% - 90%
Annual Limit: $5,000 - Unlimited $5,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 3 days*
Waiting Period for Illnesses: 14 days 14 days
Waiting Period for Orthopedic Coverage: 14 days 14 days**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Optional
Vet Restrictions: None None

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Petco vs. Pets Best Insurance

Petco’s accident and illness plan covers your veterinary bills if your dog or cat gets sick or injured. The most expensive type of vet bills occur when pets need emergency care, long-term medications or surgery for serious illnesses or injuries. These plans can save you thousands of dollars if your pup or kitten suffers from a serious health issue.

Pets Best also offers excellent accident and illness coverage that will protect you against unexpected vet bills. They actually offer three different levels of accident and illness coverage so there is an option for every budget. One big differentiation point is that Pets Best offers optional wellness care to help pay for routine care expenses like dental cleanings and annual vaccinations.

Expert Tip:

Petco and Pets Best are both solid options, but the key to getting the best value is to compare plans and prices. The reason? Every pet insurance company charges different prices based on your pets breed, age and where you live. In fact, the same pet could be priced 50% more or less for the same level of coverage! So, before you choose a plan, check out prices for at least three companies to make sure you get the best value possible for your pet.

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Check out these other side-by-side comparisons of Petco and Pets Best vs. other competitors.

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request it.

Pets Best Insurance Enrollment Requirements

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:

Waiting Periods for Most States:

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate Ligament Conditions: 6 months
  • Routine Care: 0 days

Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington

  • Accidents: 0 days
  • Illnesses: 14 days
  • Cruciate Ligament Conditions: 30 days
  • Routine Care: 0 days


Waiting Periods for North Dakota Only

  • Accidents: 3 days
  • Illnesses: 14 days
  • Cruciate Ligament Conditions: 30 days
  • Routine Care: 0 days

** 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.

Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment