Pet Insurance Comparison: Trupanion vs. ASPCA

Discover why veterinarians across the country are recommending Trupanion over the competition.
Below we detail how our pet insurance policy plan compares to other top companies.

Choosing the right pet health insurance provider and policy plan can be a daunting (and sometimes confusing) task. Our pet insurance comparison guide will help you determine which key benefits are important to you, and which pet insurance company will best meet your needs. Below we compare our pet insurance policy plan with ASPCA.

VPI 24PetWatch Petplan Pets Best
ASPCA
PurinaCare Embrace PetFirst
Common Policy Questions Trupanion ASPCA

Question:

Monthly Cost Example
Quote for Labrador Retriever Dog and Domestic Shorthair Cat, under 1 year old in Santa Monica, California 90401.
Does not include sign up or administration fees.

Trupanion:

Trupanion Plan with $100 Deductible
  • Dog -- $32.06
  • Cat -- $19.42
*Based on the examples to the left.

View All Competitor Prices at Once!

ASPCA:

Level 2 ($100 deductible, $1,500 per incident limit, $8,000 annual limit, chronic condition coverage)
  • Dog -- $27.40
  • Cat -- $19.71
*Based on the examples to the left.

Question:

Will my premium increase due to pet aging?

Trupanion:

No, Trupanion does not penalize the pet owner with age related increases.

ASPCA:

Yes, pet owners will see an increase in premiums as pet ages.
  • Age 1 -- $27.40
  • Age 9 -- $50.64
  • Age 12 -- $64.14
*Dog example premiums based on publicly available information. Actual rates may differ.

Question:

What is covered
if my pet is sick or injured?

Trupanion:

All diagnostic tests, surgeries, and medications (including hereditary and congenital disorders).

ASPCA:

Reasonable costs* for diagnostic tests, surgeries, and treatment.

*The customary fee charged for a given treatment or procedure with the geographic area in which the fee is incurred.

Question:

What are some important exclusions I should be aware of?

Trupanion:

  1. Pre-existing conditions
  2. Hip dysplasia - optional coverage for dogs and cats enrolled before 1st birthday

ASPCA:

  1. Pre-existing conditions
  2. Any congenital disorder
  3. Any hereditary condition
  4. Pre-existing and recurring illness* or injury prior to the effective date, unless 180 days have past since cure and last treatment
    For Example: If your pet got cancer or arthritis in year 1, they would not be covered in year 2 unless you purchased the Sterling Plan, which covers recurring and ongoing illnesses.
    *Unless you have purchased the Continuing Care Rider which gives $1,000 - $2,500 per incident coverage and a $2,500 - $6,000 lifetime limit for recurring illnesses.
  5. Diagnosis, treatment or surgery related to Anterior Cruciate Ligament (ACL) or Cranial Cruciate Ligament (CCL) damage that occurs or is symptomatic within 12 months of the effective date of certificate.
  6. Multiple incidents (more than one) of foreign object ingestion in a 12 month period.

Question:

What are the
policy payout limits?

Trupanion:

No payout limit over the life of your pet, with no limits per year, claim, illness, procedure, or condition.

ASPCA:

$2,500 - $5,000 per incident limit subject to an annual cap of $8,000 - $13,000, depending on plan choice.
For example: Pet owner would have to have 3 or 4 incidents that reached per incident limit to use full annual benefit.

Question:

What are my deductible options?

Trupanion:

You have the option to select a per-incident deductible of $0 or any deductible amount from $50 to $1000 in increments of $5.

ASPCA:

$100 annual deductible

Question:

What amount will the policy cover?

Trupanion:

90% of actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee and deductible, if selected.

ASPCA:

80% of reasonable costs arising from injury or illness, after the annual deductible is met, up to per incident limit and annual limit.

Question:

What will cause my premium to increase?

Trupanion:

  1. Inflationary cost of veterinary medicine in your area

ASPCA:

  1. Inflationary cost of veterinary medicine in your area
  2. Pet aging

Question:

Will I be penalized for filing claims?

Trupanion:

No.

ASPCA:

No.

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Quick Price Comparison

The chart below is a quick price comparison for a one year old Labrador Retriever dog and Domestic Shorthair cat located in Santa Monica, CA. These prices are independent of your custom quote above which is specific to your pets age, breed, location and deductible.

Competitor
vs.
Trupanion		 Labrador Retriever
Dog		 Domestic Shorthair
Cat		 Plan/Deductible
24PetWatch $66.90 $33.90 QuickCare Gold 90% Double Illness ($100 Deductible, $3,000 per accident limit, $6,000 per illness category limit)
Trupanion Pet Insurance $32.06 $19.42 Trupanion Plan with $100 Deductible
Petplan $54.61 $27.15 Gold Plan (90% coverage, $50 Deductible and $20,000 annual limit)
Trupanion Pet Insurance $33.19 $20.08 Trupanion Plan with $50 Deductible
Pets Best $57.88 $35.95 Pets Premier Plan ($250 deductible, $7,000 per incident limit)
Trupanion Pet Insurance $29.17 $17.73 Trupanion Plan with $250 Deductible
ASPCA $27.40 $19.71 Level 2 ($100 deductible, $1,500 per incident limit, $8,000 annual limit, chronic condition coverage)
Trupanion Pet Insurance $32.06 $19.42 Trupanion Plan with $100 Deductible
PurinaCare $43.06 $14.86 PurinaCare Plan ($100 Deductible)
Trupanion Pet Insurance $37.60 $22.64 Trupanion Plan with $100 Deductible (with Hip Dysplasia)
VPI $37.11 $24.82 Major Medical Plan with $100 deductible
Trupanion Pet Insurance $32.06 $19.42 Trupanion Plan with $100 Deductible
Embrace $126.06 $71.60 Custom Policy (90% coverage, $100 Deductible, $15,000 annual limit, and RX Options)
Trupanion Pet Insurance $32.06 $19.42 Trupanion Plan with $100 Deductible
PetFirst $91.70 $83.70 Preferred Plus (100% coverage for congenital, hereditary, and chronic conditions, $3,500 per incident limit, and $13,000 and $15,000 annual limit for dog and cat, respectively)
Trupanion Pet Insurance $33.19 $20.08 Trupanion Plan with $50 Deductible

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American Animal Hospital Association
Pet Health Insurance

Trupanion™, North America's fastest
growing pet insurance company announces:

"1st to earn the AAHA
       Seal of Acceptance!"