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.

Cat on owner's shoulder

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

X iconPaying your whole bill upfront and waiting for a cheque to get reimbursed

Check iconHaving your vet paid directly (often in seconds!)

X iconSacrificing comprehensive care for a cheaper monthly rate

Check iconOne simple plan that provides comprehensive, quality coverage

X iconLimited payouts or reimbursement ceilings that can restrict coverage

Check iconUnlimited payouts no matter how often you need to use your pet’s coverage

X iconAnnual deductibles that keep you paying for the same condition every year

Check iconPer-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.

puppy at vet

The difference is in the details

Plan features

trupanion-logo

Pets Plus Us

Vet Direct Pay

Trupanion check mark.. Can pay participating hospitals directly at time of checkout

Pets Plus Us x mark.. Operates on a reimbursement model where you pay upfront and then wait for a cheque

Flexible deductibles

Trupanion check mark.. Select a deductible that works for your budget, from $0 to $1,000

Pets Plus Us x mark.. Has limited choices in deductibles and will increase the cost based on pet age

Restricted coverage for unlucky pets

Trupanion check mark.. Pre-existing conditions not covered, but pet is still eligible for new condition coverage

Pets Plus Us x mark.. Pets with certain conditions prior to enrollment are restricted to accident-only coverage

Unlimited payouts

Trupanion check mark.. No payout limits ever

Pets Plus Us x mark.. Caps payouts at $7,500 and $15,000, depending on the specific plan

24/7 live support

Trupanion check mark.. Customer care available 100% of the week, all throughout the year

Pets Plus Us x mark.. Has specific call hours from 8 a.m. to 8 p.m. EST and is closed on weekends.

Read more on Trupanion vs. Pets Plus Us

Plan features

trupanion-logo

Petsecure

Vet Direct Pay

Trupanion check mark.. Can pay participating hospitals directly at time of checkout

Petsecure x mark.. Operates on a reimbursement model where you pay upfront and then wait for a cheque

No punishment for filing claims

Trupanion check mark.. Your rate and coverage will not change simply because your pet gets sick or injured

Petsecure x mark.. May adjust your coverage if you file too frequently or too much

Flexible deductibles

Trupanion check mark.. Select a deductible that works for your budget, from $0 to $1,000

Petsecure x mark.. Limited deductible choices that increase with the age of your pet

Won’t suddenly drop or change coverage

Trupanion check mark.. Offers coverage for the life of your pet and won’t drop for no reason

Petsecure x mark.. Reserves the right to cancel or change coverage at any time

24/7 live support

Trupanion check mark.. Customer care available 100% of the week, all throughout the year

Petsecure x mark.. Has specific call hours on weekdays and is closed on Sundays.

Read more on Trupanion vs. Petsecure

Plan features

trupanion-logo

Fetch

No extended waiting periods

Trupanion check mark.. 5-day waiting periods for injuries, 30 days for illnesses

X icon6-month waiting periods for any treatment of cruciate ligaments or patellar luxation

Vet Direct Pay

Trupanion check mark.. Can pay participating hospitals directly at checkout

X iconNo automatic process to pay veterinarians directly

No birthday pricing

Trupanion check mark.. No rate increases just because your pet has a birthday

X iconRates automatically go up just because your pet gets older

24/7 live support

Trupanion check mark.. Customer care available 100% of the week

X iconHas specific call and chat hours (all in EST) and is closed on Sundays

Lifetime per condition deductible

Trupanion check mark.. You're fully covered after 30 days

X iconDeductibles reset every policy term, potentially reducing lifetime coverage

Read more on Trupanion vs. Fetch

Don’t just take our word for it

Cat getting patted by owner

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.

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].

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