Pet Insurance Comparison of Providers

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.

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.

TRADITIONAL PET INSURANCE IS:

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.

BUT TRUPANION MEDICAL INSURANCE IS:

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.

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

Take an in-depth look for more information: Trupanion vs VPI/Nationwide | Trupanion vs Petplan | Trupanion vs Embrace | Trupanion vs Healthy Paws | Trupanion vs Pumpkin

Coverage	Nationwide (VPI)	Petplan	ASPCA Pet Health Insurance	Embrace	Pets Best	Figo
Can pay the hospital directly at time of checkout for eligible claims
No payout caps or limits – ever	Depends on the specific plan	Depends on the specific plan	Depends on the specific plan		Depends on the specific plan	Depends on the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays	Depends on the specific plan
Covers dietary supplements	Depends on the specific plan			When Wellness plan purchased
Pays customer based on actual veterinary bill	Depends on the specific plan
Does not increase prices automatically every year just because an individual pet ages
Coverage available from birth
Flexible deductible with hundreds of pricing options, including a $0 deductible*
Customer Care available 24/7
24/7 preapprovals available, so you can rest easy knowing you’re covered, even in an emergency situation

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

^{*Product details vary in Florida. If you're a resident of Florida, you can learn about your pet details here.}

^{These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of May 18, 2020. 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 or Independence American Insurance Company | Healthy Paws underwritten by Indemnity Insurance Company of North America; ACE American Insurance Company; Ace Property & Casualty Insurance Company; Westchester Fire Insurance Company; or Atlantic Employers Insurance Company | Petplan underwritten by XL Specialty Insurance Company | Pets Best underwritten by Independence American Insurance Company or American Pet Insurance Company | Nationwide underwritten by National Casualty Company or Veterinary Pet Insurance Company (CA only) | Pumpkin underwritten by United States Fire Insurance Company}