Underwritten by American Pet Insurance Company
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Pet Insurance Comparison

With several options for pet insurance, we know how important it is to make the best choice for your pet. We also know how confusing it can be, so to make it a little easier for you, we created a comparison chart that provides a quick glance at the benefits for each of the listed providers.*
Dog and cat cuddling

Compare pet insurance providers for yourself 

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 Depends upon the specific plan
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

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