Pet Insurance Providers Coverage Comparison

This comparison chart provides a quick glance of the benefits for each of the below providers*.

Click here to view a larger version of the comparison chart.

  TRUPANION Embrace PetFirst Petplan VPI Healthy Paws 24Pet Watch Pets Best ASPCA
Provides 90% coverage for treatments of injuries & illnesses Yes Depends upon the specific plan Depends upon the specific plan Depends upon the specific plan No Depends upon the specific plan No No Depends upon where you live
Has no financial limits: Per year, per illness or per pet Yes No No No No Yes No No No
Covers approved surgeries, diagnostic tests, medications & hospital stays Yes Yes Yes Yes Yes Yes Yes Yes Depends upon the specific plan
Covers therapeutic pet foods Yes When Wellness plan purchased No For urinary crystals only No No Yes No No
Covers dietary supplements Yes No No No No No Yes No No
Pays customer based on actual veterinarian bill – NOT on pre-determined benefits schedule Yes Yes Yes Yes No Yes Yes Yes No
Freedom to use any veterinarian at any hospital of your choice Yes Yes Yes Yes Yes Yes Yes Yes Yes
Allows customers to choose their own deductible amount
(including a $0 deductible)
Yes No No No No No No No No

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of December 2, 2013, as well as a series of provider-specific phone interviews and internal research conducted from January 7-16, 2013. Coverage options are interpreted by American Pet Insurance Company as being comparable, and American Pet Insurance Company recognizes that alternate policies, coverages, deductible levels and co-insurance levels may be available from these providers for different premium costs.

* ASPCA underwritten by United States Fire Insurance Company
Embrace underwritten by RLI Insurance
Healthy Paws underwritten by ACE Group or Markel Corporation
PetFirst underwritten by American Alternative Insurance Corporation (a subsidiary of Munich Re)
Petplan underwritten by AGCS Marine Insurance Company
Pets Best underwritten by Aetna Insurance company of Connecticut
DVM Insurance Agency (VPI) underwritten by National Casualty Company
24PetWatch underwritten by Praetorian Insurance Company

If you have any questions for us, or need help understanding anything relating to coverage for your pet, please call Trupanion’s pet-loving customer care team at 800.569.7913. We love talking about pets!

The Right Questions to Ask

Do You Need Pet Insurance?

Pet Insurance Comparison Study Video

Dr. Jim Humphries of the Veterinary News Network compares four pet health insurance companies, including Trupanion.