A woman cuddles a dog

We encourage you to research other pet insurance companies

At Trupanion, we strive to be upfront and honest about what our plan provides. We are a team of pet lovers who work with cats and dogs by our side, and we want all pets to receive the best insurance coverage possible.

Unfortunately, we don't think that every pet insurance company has what it takes to protect your four-legged family members. We offer 90% coverage of eligible conditions*, no payout limits, vet direct pay, and one simple plan that always provides the best coverage, because we know it will help your pet when it matters most. We stand out in the pet insurance industry, because we do what it takes to offer peace of mind to loving pet owners.

We love informed decisions. See the policy for full coverage details.

Other providers offer

Cheap coverage

  • Price can skyrocket year after year
  • No coverage for the things most likely to happen to your pet — hereditary and congenital conditions
  • Previously covered conditions may now be pre-existing

Mid-range coverage

  • Your rates may automatically increase just because your pet has a birthday
  • There may be caps or limits on how much they can pay out in claims


High-quality coverage

  • Coverage for hereditary and congenital conditions
  • No caps or limits on the amount we pay out
  • No automatic rate increases just because your pet celebrates a birthday

We love informed decisions. Check out our full policy for complete coverage details.

According to the average of over 18,000 consumer reviews across Pet Insurance Review Canada, Consumer Affairs, Consumer’s Advocate, Google reviews and Yelp.

Trupanion provides more than traditional pet insurance

Our love for pets is the reason we offer insurance and why our policies are written with pets and pet owners in mind. We don't think that traditional pet insurance has what it takes to protect pets, so we differentiate ourselves by offering 'medical insurance for cats and dogs’ that puts pets first.

Trupanion Other Providers
Quick and easy to understand coverage
Covers all new injuries and illnesses after 5 day injury waiting period and 30 day illness waiting period Some conditions are excluded from coverage or have year-long waiting periodsWhen researching, be sure to look out for extended waiting periods for issues related to knees, cruciates, ligaments, and/or hip dysplasia
No out-of-pocket payments

Can pay veterinary hospitals directly

No automatic process to pay veterinarians directly
Age-based restrictions
All pets get 90% coverage with no payout limits for new issues, regardless of age Can lower payout percentage or price options based on pet’s age
Breed-based restrictions
All pets get 90% coverage with no payout limits regardless of breed In most states, they will automatically increase rates because your pet gets older
Automatic price increases
Prices for the life of your pet, so you don't get automatic rate increases each year Provides a seemingly low price your first year, then can automatically hike up prices every year based on pre-determined formula
Coverage for ongoing illnesses
Lifetime per condition deductible, so you aren't paying for the same condition year after year Yearly deductibles means you repeatedly pay for the same covered conditionsChronic issues like allergies, diabetes or glaucoma can occur year after year, which means more annual vet bills
Flexible prices
Hundreds of deductible options means you can choose a specific price that works for you Limits to just a few deductible options, or you can only change your price by lowering your payout percentage

We love informed decisions. See our policy for full coverage details.


  • Waiting to get reimbursed for a claim and having to pay the whole portion of your bill upfront.

  • Sacrificing quality care for a cheaper monthly rate.

  • Claim payouts restricted by insurance company defined rates, and payouts not based on your actual bill.

  • Annual deductibles that keep you paying for the same condition over and over.

  • Waiting and worrying about getting in touch with your insurance provider when you need them.

  • Dropped coverage for filing too many claims or for asking for too high of a reimbursement amount.


  • Having your vet paid directly whenever possible so you aren't waiting around for reimbursement checks.

  • One simple plan that provides quality coverage when your pet needs it most.

  • Claims paid based on the actual cost of veterinary care, not what we think treatment should cost.

  • A condition based, lifetime deductible that you only pay once per issue and all its complications.

  • 24/7 support from our award-winning customer care team.

  • Never worrying about a canceled policy or increased rates just for filing claims.

Comparing pet health insurance and tuna

Pet health insurance should be more than just fancy packaging. Trupanion CEO and founder, Darryl Rawlings takes a deeper look into what a pet health insurance comparison may look like using an example of your cat’s favorite food - tuna.

Our policyholders notice the difference

“I have tried many other pet insurance companies only to be disappointed. But that all changed after joining Trupanion. Trupanion is the only company I recommend. I am overjoyed to help other families skip the trial and error method of looking for the right pet insurance.”  - Shannon C.

“I have fought with numerous other insurance companies, but I never once had to fight with Trupanion. Don't take chances with unreliable companies. Trupanion was not only the best choice, it was the greatest choice we ever made."”  - Rebecca N.

See for yourself how we stack up to other pet insurance companies

Coverage Trupanion Petplan 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   Checkmark
No   Checkmark
Offers one simple plan without confusing options to choose from that always provides 90% coverage for treatments of injuries and 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 Depends upon the specific plan 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   Checkmark
Depends upon the specific plan Checkmark
Covers prescription pet foods and dietary supplements green-check-sm
Pays customer based on actual veterinarian bill green-check-sm
Customer care available 24/7 green-check-sm Checkmark
No No
No No
Freedom to use any veterinarian at any hospital of your choice green-check-sm
Allows customers to choose their own deductible amount (including a $0 deductible) green-check-sm


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.

Our team can talk through how Trupanion’s unique coverage can work for your pet. Call today:


If you want more detail about specific provider differences, we recommend you check out these resources:

Your research doesn’t have to end here.

If you still don’t know who to enroll your pet with, we recommend these next steps:

  1. Ask your veterinarian who they recommend.
  2. Ask other providers how their coverage compares.
  3. Ask our Trupanion team for information specific to your pet.

We’re here 24/7 to help walk you through our coverage, and we’ll never pressure you to buy if you’re not ready: 888.733.2631.

Or, start online by getting a quote:

Convinced that Trupanion's pet medical insurance is what's best for your pet?

Get your pet's quote