We encourage you to research other pet medical 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 medical insurance coverage possible.
Unfortunately, we don’t think that every pet insurance provider has what it takes to protect your furry family members. We offer an extensive plan with no limit on the amount of care your pet can receive. One plan that’s always there, providing the best coverage and the ability to pay your veterinarian within minutes at checkout. We stand out because we do what it takes to offer peace of mind to loving pet owners.
We love informed decisions. See the plan for full coverage details.
Trupanion provides more than traditional pet insurance
Our love for pets is the reason we offer medical insurance, and why our plan was created to put pets and pet owner 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 a reimbursement amount.
Trupanion medical insurance for pets is:
- Having your veterinarian paid directly so you aren’t waiting by the mailbox for reimbursement checks.
- An extensive 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.
- No deductible so you can experience the benefits with every eligible invoice and a flexible payout percentage that allows you to control your monthly costs.
- 24/7/365 support from our pet-passionate customer care team.
- Never worrying about a canceled policy or increased rates just for filing claims.
- Complete transparency from the start, with a personalized Medical Record Summary so you know exactly what’s covered for the lifetime of your pet.
Our members experience 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
| COVERAGE | TRUPANION | VPI/ NATIONWIDE |
PETPLAN | ASPCA PET HEALTH INSURANCE |
EMBRACE | HEALTHY PAWS | PETS BEST | FIGO |
|---|---|---|---|---|---|---|---|---|
| Direct payment to hospitals |  |
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Only for wellness plans | |
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| One plan | |
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| No restrictions on the amount of care a pet can receive | |
Depends upon the specific plan | Depends upon the specific plan | Depends upon the specific plan | |
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Depends upon the specific plan | Depends upon the specific plan |
| Covers dietary supplements | |
Depends upon the specific plan | |
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With wellness plan purchased | |
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| No networks | |
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| Customer care available 24/7/365 | |
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| DIRECT PAYMENTS TO HOSPITALS | |
|---|---|
| TRUPANION | |
| VPI/NATIONWIDE | |
| PETPLAN | |
| ASPCA PET HEALTH INSURANCE | |
| EMBRACE | Only for wellness plans |
| HEALTHY PAWS | |
| PETS BEST | |
| FIGO | |
| ONE PLAN | |
| TRUPANION | |
| VPI/NATIONWIDE | |
| PETPLAN | |
| ASPCA PET HEALTH INSURANCE | |
| EMBRACE | |
| HEALTHY PAWS | |
| PETS BEST | |
| FIGO | |
| NO RESTRICTIONS ON THE AMOUNT OF CARE A PET CAN RECEIVE | |
| TRUPANION | |
| VPI/NATIONWIDE | Depends upon the specific plan |
| PETPLAN | Depends upon the specific plan |
| ASPCA PET HEALTH INSURANCE | Depends upon the specific plan |
| EMBRACE | |
| HEALTHY PAWS | |
| PETS BEST | Depends upon the specific plan |
| FIGO | Depends upon the specific plan |
| COVERS DIETARY SUPPLEMENTS | |
| TRUPANION | |
| VPI/NATIONWIDE | Depends upon the specific plan |
| PETPLAN | |
| ASPCA PET HEALTH INSURANCE | |
| EMBRACE | With wellness plan purchased |
| HEALTHY PAWS | |
| PETS BEST | |
| FIGO | |
| NO NETWORKS | |
| TRUPANION | |
| VPI/NATIONWIDE | |
| PETPLAN | |
| ASPCA PET HEALTH INSURANCE | |
| EMBRACE | |
| HEALTHY PAWS | |
| PETS BEST | |
| FIGO | |
| CUSTOMER CARE AVAILABLE 24/7/365 | |
| TRUPANION | |
| VPI/NATIONWIDE | |
| PETPLAN | |
| ASPCA PET HEALTH INSURANCE | |
| EMBRACE | |
| HEALTHY PAWS | |
| PETS BEST | |
| FIGO | |
Questions? Give our pet-loving customer care team a call at 866.615.0126.
These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of October 17, 2016. 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 XL Specialty Insurance Company | Pets Best underwritten by Independence American Insurance Company | Nationwide underwritten by National Casualty Company or Veterinary Pet Insurance Company (CA only)