A woman cuddles her dogA woman cuddles her dogA woman cuddles a dog
PET INSURANCE COMPARISON

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.

Terms and conditions apply. See the full policy for 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

April the French Bulldog

“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.

Two Pit Bulls wearing yellow sunglasses

“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  |  Trupanion vs Petplan | Trupanion vs Embrace  |  Trupanion vs Healthy Paws


Coverage Trupanion Nationwide/VPI
Petplan ASPCA Pet Health Insurance Embrace Healthy Paws Pets Best Figo
Can pay the hospital directly within minutes at checkout without you needing to take any action Green checkmark
red-x
No
No
Only for wellness claims

No
No
No
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
No
No
No
No
Has no financial limits: Per year, per illness, or per pet green-check-sm Depends upon the specific plan Depends upon the specific plan Depends upon the specific plan
No
checkmark Depends upon the specific plan
Depends upon the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays green-check-sm
Depends upon the specific plan  checkmark
checkmark
checkmark
checkmark
checkmark
checkmark
Covers dietary supplements green-check-sm
Depends upon the specific plan checkmark
checkmark
When Wellness plan purchased No
checkmark
No
Pays customer based on actual veterinary bill green-check-sm
Depends upon the specific plan checkmark
checkmark
checkmark
checkmark
checkmark
checkmark
Freedom to use any veterinarian at any hospital of your choice green-check-sm
checkmark
checkmark
checkmark
checkmark
checkmark
checkmark
checkmark
Allows customers to choose their own deductible amount (including a $0 deductible) green-check-sm
No
No
No
No
No
checkmark
No
Customer Care available 24/7 green-check-sm
Award-winning and pet-loving!
No
checkmark
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 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)

See how Trupanion stands out from the pack

See how Trupanion stands out from the pack

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

Get your pet's quote