Pet insurance comparison: how we stack up

Tracking down the best pet insurance is hard, but it doesn’t have to be. Discover how Trupanion compares to other providers.

How we compare

Trupanion goes beyond traditional coverage

Explore the difference one simple plan can make with unlimited payouts, vet direct pay, and so much more.

Traditional pet insurance	Trupanion
Paying your whole bill upfront and waiting for a cheque to get reimbursed	Having your vet paid directly (often in seconds!)
Sacrificing comprehensive care for a cheaper monthly rate	One simple plan that provides comprehensive, quality coverage
Limited payouts or reimbursement ceilings that can restrict coverage	Unlimited payouts no matter how often you need to use your pet’s coverage
Annual deductibles that keep you paying for the same condition every year	Per-condition deductibles that you only have to meet once in your pet’s lifetime

Voted #1 in America by veterinarians

Source: Survey commissioned by dvm360. Read more.

The difference is in the details

Plan features		Pets Plus Us
Vet Direct Pay	Can pay participating hospitals directly at time of checkout	Operates on a reimbursement model where you pay upfront and then wait for a cheque
Flexible deductibles	Select a deductible that works for your budget, from $0 to $1,000	Has limited choices in deductibles and will increase the cost based on pet age
Restricted coverage for unlucky pets	Pre-existing conditions not covered, but pet is still eligible for new condition coverage	Pets with certain conditions prior to enrollment are restricted to accident-only coverage
Unlimited payouts	No payout limits ever	Caps payouts at $7,500 and $15,000, depending on the specific plan
24/7 live support	Customer care available 100% of the week, all throughout the year	Has specific call hours from 8 a.m. to 8 p.m. EST and is closed on weekends.

Plan features		Fetch
No extended waiting periods	5-day waiting periods for injuries, 30 days for illnesses	6-month waiting periods for any treatment of cruciate ligaments or patellar luxation
Vet Direct Pay	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly
No birthday pricing	No rate increases just because your pet has a birthday	Rates automatically go up just because your pet gets older
24/7 live support	Customer care available 100% of the week	Has specific call and chat hours (all in EST) and is closed on Sundays
Lifetime per condition deductible	You're fully covered after 30 days	Deductibles reset every policy term, potentially reducing lifetime coverage

Don’t just take our word for it

“I found comfort in the knowledge that despite the fact that I did not know what was in store for Dresden in the days to come, I would not have to shoulder the financial burden alone.”

Lisa saved over $2,500

with a Trupanion policy

distinguished cavalier king charles spaniels with red checkered bowtie in blanket

"I am profoundly thankful for the peace of mind I get from having Jiminy insured with Trupanion, knowing that I can give him a bright future full of new experiences, adventure and restful moments together!"

Lisa saved almost $20,000

with a Trupanion policy

white persian cat on floor with portable water bottle

"He was so tiny and helpless, and this was truly the most traumatic thing I could imagine. Harold’s animal hospital went directly through Trupanion, so I never saw a bill while this was all going on."

Ashley saved over $10,000

with a Trupanion policy

Get the care your best friend deserves

From lovable mutts to specific breeds, we provide medical coverage that’s with you from the adorable puppy years to those sweet, sunset moments.

Get my quote

We’re always ready to help

Our customer care team is available 24/7/365.

Call 855.210.8749

Chat online

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of February 28, 2023. This comparison guide is only intended to summarize features, not provide details on specific plans or coverage amounts. Coverage options for each company are interpreted by Trupanion (underwriters American Pet Insurance Company and in Canada by Omega General Pet Insurance Company) as being comparable. Trupanion recognizes that alternate policies, coverages, deductible levels, and coinsurance levels may be available from these providers for different premium costs. If you have questions about non-Trupanion pet insurance plans, please contact that company directly. It is our intention at Trupanion to provide fair, accurate, and current comparison information to help consumers on their pet insurance research journey. That said, we acknowledge that coverage details for each provider can change at any time. If you spot any inaccuracies or changes in the information provided above, we invite you to let us know by emailing [email protected].

Plan features		Petsecure
Vet Direct Pay	Can pay participating hospitals directly at time of checkout	Operates on a reimbursement model where you pay upfront and then wait for a cheque
No punishment for filing claims	Your rate and coverage will not change simply because your pet gets sick or injured	May adjust your coverage if you file too frequently or too much
Flexible deductibles	Select a deductible that works for your budget, from $0 to $1,000	Limited deductible choices that increase with the age of your pet
Won’t suddenly drop or change coverage	Offers coverage for the life of your pet and won’t drop for no reason	Reserves the right to cancel or change coverage at any time
24/7 live support	Customer care available 100% of the week, all throughout the year	Has specific call hours on weekdays and is closed on Sundays.