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Compare providers to find the best medical insurance for your pet

Compare providers to find the best medical insurance for your pet

So, why choose Trupanion?

First of all, we can pay your hospital directly, closing claims in as little as 5 minutes. We know this is a big deal for pet owners like you, in fact 86% of those surveyed recently said they would be more likely to enroll with an insurance company that could pay the hospital directly. Trupanion is the first and only company that has developed a software application that can do this quickly and easily. Imagine never being out of pocket for your pet’s unexpected medical bills—with Trupanion it’s a reality!

Here are some other reasons why we're better:

  • We don't have hidden exclusions. What you see in the policy is what you get.

  • We don't drop coverage — for filing claims, for having an unlucky pet, for any reason at all.

  • We make claims quick and easy. Because who has time for lots of paperwork when there are balls to throw and kisses to receive? 

  • We have common sense pricing, and this is important. We use real data to determine your custom premium — and we don't raise rates just because your pet has a birthday.

  • We can pay your claim right when your veterinarian hands you the bill, before you even leave the hospital. No more waiting for a check in the mail.

  • We keep your private information private. It's not ours to sell. And since we don't offer other insurance products, we won't be attempting to sell you coverage for your car or home. We insure pets. That's all we do.

  • We are here for you 24/7. Call us anytime (really, day or night) and see why our customer care team is consistently rated top dog.

View a larger version of the comparison chart.

Coverage Trupanion PC Financial 24PetWatch Petsecure Pets Plus Us OSPCA
Can pay the hospital directly, so you’re not out of pocket for the entire bill green-check-sm No No
No
No No
Doesn’t punish pet owners for filing claims by reducing coverage green-check-sm No  yes
No
 yes
 yes
Let’s a pet be a pet — covering injuries sustained from normal activities like running, jumping, and playing green-check-sm  yes
 yes
Depends upon the specific plan  yes
 yes
Provides 90% coverage for treatments of injuries & illnesses green-check-sm No No
No
Depends upon the specific plan Depends upon the pet's age
Has no financial limits: Per year, per illness, or per pet green-check-sm No
No
Depends upon the specific plan No
Depends upon the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays green-check-sm
Depends upon the specific plan  yes
yes
Depends upon the specific plan yes
Covers prescription pet foods and dietary supplements green-check-sm
yes
yes
No
yes
yes
Pays customer based on actual veterinarian bill green-check-sm
yes
yes
yes
yes
yes
Customer care available 24/7 green-check-sm No No
No
No No
Freedom to use any veterinarian at any hospital of your choice green-check-sm
yes
yes
yes
yes
yes
Allows customers to choose their own deductible amount (including a $0 deductible) green-check-sm
No
No
No
No
No

Questions? Give our pet-loving customer care team a call at 855.591.3100.

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of October 6, 2016.



See what our policyholders are saying about us







"Harriet ran after a bunny in our backyard and came limping back into the house. After a trip to her veterinarian, followed by some x-rays and scans, it was confirmed that she tore her CCL. This incident alone makes having Trupanion an excellent investment, but Harriet also has a number of health issues. Harriet is a part of our family and we’re very thankful to Trupanion for their ..." Read More "Harriet ran after a bunny in our backyard and came limping back into the house. After a trip to her veterinarian, followed by some x-rays and scans, it was confirmed that she tore her CCL. This incident alone makes having Trupanion an excellent investment, but Harriet also has a number of health issues. Harriet is a part of our family and we’re very thankful to Trupanion for their financial support. With Trupanion, we are always able to ensure that Harriet gets the best health care possible."
- Elizabeth P.
Condition: CCL tear, urinary tract infections, distichiasis, hypothyroid
Trupanion Paid: $13,132.33
"Four months after adopting Marley, she injured herself while playing and needed to have a TPLO done on her right knee. This was not an inexpensive surgery, and Trupanion was great processing our claim —we received it within a week of submitting the claim. Marley is enjoying a more fulfilled and healthy life due to the standard of care Trupanion enabled. She is once again ..." Read More "Four months after adopting Marley, she injured herself while playing and needed to have a TPLO done on her right knee. This was not an inexpensive surgery, and Trupanion was great processing our claim —we received it within a week of submitting the claim. Marley is enjoying a more fulfilled and healthy life due to the standard of care Trupanion enabled. She is once again able to go on hikes and long walks, and is keeping up with puppies half her age at the dog park."
- Coleman and Chelsea S.
Condition: TPLO surgery, enterocolitis
Trupanion Paid: $10,034.87
"Paris plays like there is no tomorrow, and she broke a weight bearing toe. The toe didn't heal well and she ended up with a bone infection. A couple of months of treatment and over a couple of thousand dollars later she is just fine, fully healed and back to playing to her heart’s content. I have been amazed by how easy it has been to work with Trupanion. They have been so helpful,..." Read More "Paris plays like there is no tomorrow, and she broke a weight bearing toe. The toe didn't heal well and she ended up with a bone infection. A couple of months of treatment and over a couple of thousand dollars later she is just fine, fully healed and back to playing to her heart’s content. I have been amazed by how easy it has been to work with Trupanion. They have been so helpful, efficient, supportive, and very prompt with reimbursement. It has been a pleasure to work with these folks, and I am so glad I got coverage!"
- Deborah F.
Condition: Toe fracture, bone infection
Trupanion Paid: $1,763.22

 3 Reasons to Choose Trupanion

  1. One Simple Plan

    One simple and comprehensive plan

  2. 90% Coverage

    We cover 90% of actual veterinary costs*

  3. No Payout Limits

    No dollar limits on the cost of care if your pet becomes sick or injured

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