Underwritten by American Pet Insurance Company
Trupanion image X

Trupanion Online Support

Please enter your name

Please enter your email address

Please enter a valid email address

<

Compare the best pet insurance providers

There's the best, and then there's the rest.

Dog and cat cuddling
The Trupanion policy is more than just pet insurance — we’re medical insurance for cats and dogs that is changing the face of an industry where others are content to stay the course or simply imitate. While we think there’s no comparison, we want you to be informed of all the options out there. 

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

See for yourself how the competition stacks up.

View a larger version of the comparison chart.

Coverage Trupanion Nationwide/VPI
Petplan ASPCA Embrace Healthy Paws Pets Best Figo
Provides 90% coverage for treatments of injuries & illnesses green-check-sm No Depends upon the specific plan Depends upon where you live Depends upon the specific plan Depends upon the specific plan Depends upon the specific plan Provides 90% coverage dependent on choice of reimbursement rate.
Has no financial limits: Per year, per illness, or per pet green-check-sm No
No
No
No
yes No
Depends upon the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays green-check-sm
Depends upon the specific plan  yes
Depends upon the specific plan yes
yes
yes
yes
Covers prescription pet foods green-check-sm
No
For urinary crystals only No
When Wellness plan purchased No
No
For urinary crystals only
Covers dietary supplements green-check-sm
No
yes
No
When Wellness plan purchased No
No
No
Pays customer based on actual veterinarian bill green-check-sm
No
yes
No
yes
yes
yes
yes
Freedom to use any veterinarian at any hospital of your choice green-check-sm
yes
yes
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
yes
No
Customer Care available 24/7 green-check-sm
Award-winning and pet-loving!
No
yes
No
No
No
No
No
24/7 preapprovals available, so you can rest easy knowing you’re covered, even in an emergency situation. green-check-sm
No
No
No
No
No
No
No
Option to pay the hospital directly, so you’re not out of pocket for the entire bill. green-check-sm
No
No
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 16, 2015. 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 coinsurance levels may be available from these providers for different premium costs.

Providers and underwriters as follows:
ASPCA underwritten by United States Fire Insurance Company
Embrace underwritten by American Modern Insurance Group
Figo underwritten by Markel American Insurance Company
Healthy Paws underwritten by Indemnity Insurance Company of North America
Petplan underwritten by AGCS Marine Insurance Company
Pets Best underwritten by Independence American Insurance Company
DVM Insurance Agency (VPI) underwritten by National Casualty Company or Veterinary Pet Insurance Company (CA only)

 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

processing
X

Thank you for visiting Trupanion.

pumpkin

Unfortunately, Internet Explorer 7 and earlier versions are not compatible with some areas of our website.

If you wish to enroll or activate a certificate, we encourage you to upgrade to the latest version of Internet Explorer, use Google Chrome or Safari browsers to access our website, or you can simply call us at 855.591.3100.

Otherwise, you may continue browsing the rest of our website.

opacity