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 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
Trupanion vs.
Plan features | Fetch | |
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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 | Automatically increases rates every year because pet age increases, in addition to other adjustments |
24/7 live support | Customer care available 100% of the week | Live customer service available Monday - Friday 9 a.m. - 8 p.m., Saturday 10 a.m. – 6:30 p.m., EST |
Lifetime per condition deductible | Only meet your deductible once per condition for your pet’s entire life | Deductibles reset every policy term, potentially reducing lifetime coverage |
Plan features | Embrace | |
---|---|---|
No long waiting periods | Waiting periods for all injuries are 5 days and for all illnesses are 30 days | 6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage |
24/7 live support | Customer care available 100% of the week | Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST |
Vet Direct Pay™ | Can pay participating hospitals directly at checkout | Can only pay wellness claims automatically |
Plan features | Healthy Paws | |
---|---|---|
Vet Direct Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly at checkout |
No age-based restrictions in payouts and coverage | Does not discriminate based on pet's age at enrollment | Limits reimbursement and deductible options at enrollment for older pets |
No breed-based restrictions in payouts and coverage | Does not discriminate based on pet's breed | Limits reimbursement and deductible options at enrollment for certain breeds |
No birthday pricing | No rate increases just because your pet has a birthday | In most states, they will automatically increase rates because your pet gets older |
Complete coverage | You're fully covered after 30 days | You're not fully covered for the first 12 months |
Plan features | Nationwide | |
---|---|---|
Vet Direct Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly |
Flexible Deductible | Choose the deductible that works for you, anywhere between $0 and $1,000 | Has only one deductible option of $250 |
No birthday pricing | No rate increases just because your pet has a birthday | In most states, will automatically increase rates because your pet gets older |
Prevents sudden changes in coverage | Will not exclude previously covered conditions at renewal or drop coverage for no reason | Retains permission to exclude previously covered conditions at renewal and can drop coverage at any time with 10 days notice |
24/7 live support | Customer care available 100% of the week | Member care available Monday - Friday 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6:30 p.m. EST |
Unlimited payouts | Yes. No caps or limits on the amount Trupanion pays out. | One plan has a $10,000 limit, while the other uses a benefit schedule to place limits on different conditions |
Enrollment limits on older pets | Will enroll any cat or dog up to 14 years of age | Will not enroll new pets at 10 years of age or older |
Plan features | Pumpkin | |
---|---|---|
Unlimited payouts | One simple plan with no caps or limits on what is paid out for eligible pet medical costs | One unlimited option if higher premium is selected. Limited options for lower premiums. |
Vet Direct Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly at checkout. |
No birthday pricing | No rate increases just because your pet has a birthday | May automatically increase rates every year due to pet aging, in addition to other adjustments |
24/7 live support | Customer care available 100% of the week | Live customer service available Monday - Friday 8 a.m. - 8 p.m., EST |
Flexible deductible | Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000 | Just three deductible options ($100, $250, $500) that reset annually |
Don’t just take our word for it
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].