Compare Pet Insurance Providers | Side-by-Side Details (2024)

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

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Compare Pet Insurance Providers | Side-by-Side Details (1)

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

Compare Pet Insurance Providers | Side-by-Side Details (2)Paying your whole bill upfront and waiting to get reimbursed

Compare Pet Insurance Providers | Side-by-Side Details (3)Having your vet paid directly (often in seconds!)

Compare Pet Insurance Providers | Side-by-Side Details (4)Sacrificing comprehensive care for a cheaper monthly rate

Compare Pet Insurance Providers | Side-by-Side Details (5)One simple plan that provides comprehensive, quality coverage

Compare Pet Insurance Providers | Side-by-Side Details (6)Limited payouts or reimbursem*nt ceilings that can restrict coverage

Compare Pet Insurance Providers | Side-by-Side Details (7)Unlimited payouts no matter how often you need to use your pet’s coverage

Compare Pet Insurance Providers | Side-by-Side Details (8)Annual deductibles that keep you paying for the same condition every year

Compare Pet Insurance Providers | Side-by-Side Details (9)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.

Compare Pet Insurance Providers | Side-by-Side Details (10)

Plan features

Compare Pet Insurance Providers | Side-by-Side Details (11)

Fetch

No extended waiting periods

Compare Pet Insurance Providers | Side-by-Side Details (12)5-day waiting periods for injuries, 30 days for illnesses

Compare Pet Insurance Providers | Side-by-Side Details (13)6-month waiting periods for any treatment of cruciate ligaments or patellar luxation - can bewaived with vet exam only

Vet Direct Pay™

Compare Pet Insurance Providers | Side-by-Side Details (14)Can pay participating hospitals directly at checkout

Compare Pet Insurance Providers | Side-by-Side Details (15)No automatic process to pay veterinarians directly

No birthday pricing

Compare Pet Insurance Providers | Side-by-Side Details (16)No rate increases just because your pet has a birthday

Compare Pet Insurance Providers | Side-by-Side Details (17)Automatically increases rates every year because pet age increases, in addition to other adjustments

24/7 live support

Compare Pet Insurance Providers | Side-by-Side Details (18)Customer care available 100% of the week

Compare Pet Insurance Providers | Side-by-Side Details (19)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

Compare Pet Insurance Providers | Side-by-Side Details (20)Only meet your deductible once per condition for your pet’s entire life

Compare Pet Insurance Providers | Side-by-Side Details (21)Deductibles reset every policy term, potentially reducing lifetime coverage

Read more on Trupanion vs. Fetch

Plan features

Compare Pet Insurance Providers | Side-by-Side Details (22)

Embrace

No long waiting periods

Compare Pet Insurance Providers | Side-by-Side Details (23)Waiting periods for all injuries are 5 days and for all illnesses are 30 days

Compare Pet Insurance Providers | Side-by-Side Details (24)6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage

24/7 live support

Compare Pet Insurance Providers | Side-by-Side Details (25)Customer care available 100% of the week

Compare Pet Insurance Providers | Side-by-Side Details (26)Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST

Vet Direct Pay™

Compare Pet Insurance Providers | Side-by-Side Details (27)Can pay participating hospitals directly at checkout

Compare Pet Insurance Providers | Side-by-Side Details (28)Can only pay wellness claims automatically

Read more on Trupanion vs. Embrace

Plan features

Compare Pet Insurance Providers | Side-by-Side Details (29)

Healthy Paws

Vet Direct Pay™

Compare Pet Insurance Providers | Side-by-Side Details (30)Can pay participating hospitals directly at checkout

Compare Pet Insurance Providers | Side-by-Side Details (31)No automatic process to pay veterinarians directly at checkout

No age-based restrictions in payouts and coverage

Compare Pet Insurance Providers | Side-by-Side Details (32)Does not discriminate based on pet's age at enrollment

Compare Pet Insurance Providers | Side-by-Side Details (33)Limits reimbursem*nt and deductible options at enrollment for older pets

No breed-based restrictions in payouts and coverage

Compare Pet Insurance Providers | Side-by-Side Details (34)Does not discriminate based on pet's breed

Compare Pet Insurance Providers | Side-by-Side Details (35)Limits reimbursem*nt and deductible options at enrollment for certain breeds

No birthday pricing

Compare Pet Insurance Providers | Side-by-Side Details (36)No rate increases just because your pet has a birthday

Compare Pet Insurance Providers | Side-by-Side Details (37)In most states, they will automatically increase rates because your pet gets older

Complete coverage

Compare Pet Insurance Providers | Side-by-Side Details (38)You're fully covered after 30 days

Compare Pet Insurance Providers | Side-by-Side Details (39)You're not fully covered for the first 12 months

Read more on Trupanion vs. Healthy Paws

Plan features

Compare Pet Insurance Providers | Side-by-Side Details (40)

Nationwide

Vet Direct Pay™

Compare Pet Insurance Providers | Side-by-Side Details (41)Can pay participating hospitals directly at checkout

Compare Pet Insurance Providers | Side-by-Side Details (42)No automatic process to pay veterinarians directly

Flexible Deductible

Compare Pet Insurance Providers | Side-by-Side Details (43)Choose the deductible that works for you, anywhere between $0 and $1,000

Compare Pet Insurance Providers | Side-by-Side Details (44)Has only one deductible option of $250

No birthday pricing

Compare Pet Insurance Providers | Side-by-Side Details (45)No rate increases just because your pet has a birthday

Compare Pet Insurance Providers | Side-by-Side Details (46)In most states, will automatically increase rates because your pet gets older

Prevents sudden changes in coverage

Compare Pet Insurance Providers | Side-by-Side Details (47)Will not exclude previously covered conditions at renewal or drop coverage for no reason

Compare Pet Insurance Providers | Side-by-Side Details (48)Retains permission to exclude previously covered conditions at renewal and can drop coverage at any time with 10 days notice

24/7 live support

Compare Pet Insurance Providers | Side-by-Side Details (49)Customer care available 100% of the week

Compare Pet Insurance Providers | Side-by-Side Details (50)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

Compare Pet Insurance Providers | Side-by-Side Details (51)Yes. No caps or limits on the amount Trupanion pays out.

Compare Pet Insurance Providers | Side-by-Side Details (52)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

Compare Pet Insurance Providers | Side-by-Side Details (53)Will enroll any cat or dog up to 14 years of age

Compare Pet Insurance Providers | Side-by-Side Details (54)Will not enroll new pets at 10 years of age or older

Read more on Trupanion vs. Nationwide

Plan features

Compare Pet Insurance Providers | Side-by-Side Details (55)

Pumpkin

Unlimited payouts

Compare Pet Insurance Providers | Side-by-Side Details (56)One simple plan with no caps or limits on what is paid out for eligible pet medical costs

Compare Pet Insurance Providers | Side-by-Side Details (57)One unlimited option if higher premium is selected. Limited options for lower premiums.

Vet Direct Pay™

Compare Pet Insurance Providers | Side-by-Side Details (58)Can pay participating hospitals directly at checkout

Compare Pet Insurance Providers | Side-by-Side Details (59)No automatic process to pay veterinarians directly at checkout.

No birthday pricing

Compare Pet Insurance Providers | Side-by-Side Details (60)No rate increases just because your pet has a birthday

Compare Pet Insurance Providers | Side-by-Side Details (61)May automatically increase rates every year due to pet aging, in addition to other adjustments

24/7 live support

Compare Pet Insurance Providers | Side-by-Side Details (62)Customer care available 100% of the week

Compare Pet Insurance Providers | Side-by-Side Details (63)Live customer service available Monday - Friday 8 a.m. - 8 p.m., EST

Flexible deductible

Compare Pet Insurance Providers | Side-by-Side Details (64)Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000

Compare Pet Insurance Providers | Side-by-Side Details (65)Just three deductible options ($100, $250, $500) that reset annually

Read more on Trupanion vs. Pumpkin

Don’t just take our word for it

Compare Pet Insurance Providers | Side-by-Side Details (66)

“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!”

Almost $20,000 paid for Jiminy

with a Trupanion policy

Compare Pet Insurance Providers | Side-by-Side Details (67)

“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.”

Over $10,000 paid for Harold

with a Trupanion policy

Compare Pet Insurance Providers | Side-by-Side Details (68)

“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.”

Over $2,500 paid for Dresden

with a Trupanion policy

Compare Pet Insurance Providers | Side-by-Side Details (69)

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.

Compare Pet Insurance Providers | Side-by-Side Details (73)

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 [emailprotected].

Compare Pet Insurance Providers | Side-by-Side Details (74)

Compare Pet Insurance Providers | Side-by-Side Details (2024)

FAQs

Which is better, Fetch or Spot? ›

Spot Pet Insurance doesn't cover every tooth, Fetch does

Fetch Pet Insurance covers injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.

What is the best level of pet insurance? ›

Lifetime policies

These policies cover your pet for their entire life, taking care of expenses for both illnesses and injuries. Although they are the most expensive option, they offer the highest level of protection, with coverage limits that reset annually upon policy renewal.

Why is Trupanion so expensive? ›

Trupanion's pricing is likely higher than average because all plans include unlimited coverage and a 90% reimbursem*nt rate. Your plan cost will vary depending on where you live and your pet's breed, age and species. Premiums may also increase incrementally each year as your pet ages.

How do I get the best out of my pet insurance? ›

These three tips will ensure you get the best experience possible.
  1. Pay Upfront Treatment Costs On A Credit Card, And Pay It Off With Your Reimbursem*nt. ...
  2. Make Sure Your Vet Knows About Your Pet Insurance Coverage. ...
  3. Make Sure Your Policy Makes Sense For Your Breed, Location, Age, And Any Pre-Existing Conditions.

What is the downside of fetch? ›

Cons: Fetch is only available in the United States. You don't earn many points unless you complete sponsored offers. No PayPal money or direct deposit rewards.

Is Fetch a good animal insurance? ›

We gave Fetch 4.3 out of 5 stars based on our provider review methodology and named it our pick for comprehensive coverage.

How much should I be spending on pet insurance? ›

On average, pet insurance costs $60 per month for dogs and $32 for cats, based on quotes gathered by the MarketWatch Guides team. The cost to cover your pet may vary, but this type of insurance can offer financial protection against high-cost and emergency vet visits.

Do you want a high deductible for pet insurance? ›

A more affordable monthly premium requires a higher deductible, and a lower deductible will require a higher monthly premium. A young and healthy pet is less likely to be diagnosed with a chronic condition, making a higher deductible and lower monthly premium a good choice.

What are 4 factors that go into determining your monthly premium for pet insurance? ›

The cost of pet insurance varies based on your pet's location, breed, age, and the amount of coverage you want.

What is the age cut off for Trupanion? ›

Trupanion enrolls dogs and cats of any breed up to 14 years of age. However, once in, they're covered for as long as you decide to keep the policy.

Which is better, healthy paws or Trupanion? ›

Both providers offer unlimited coverage, and neither covers preventive care. Overall, Trupanion and Healthy Paws have similar coverage and exclusions. If you want more coverage options and deductible flexibility, Trupanion is a good choice. If you're looking for more affordable plans, consider Healthy Paws.

Does Trupanion raise rates with age? ›

Does Trupanion increase yearly? Trupanion doesn't increase rates as your pet ages, but it may raise rates across the board to accommodate for rises in veterinary care costs.

Do you think pet insurance is worth it? ›

When Is Pet Insurance Worth It? Pet insurance can be a good way to help offset a major unexpected vet bill, like cancer treatment or a broken bone, which can cost thousands of dollars. Without pet insurance, you would have to pay out of pocket for vet expenses.

What does pet insurance actually cover? ›

Pet owners can enroll in accident-only, accident-and-illness, and wellness plans to help cover hefty veterinary bills throughout their pet's life. It covers diagnostics, surgery, hospitalization, and prescription medicine if your pet becomes ill or injured. Coverage can vary across providers.

How much should I cover my dog for? ›

As a general rule, cover less than £5000 is likely to leave you with problems if your dog gets in a serious accident, and £7000 is the minimum most vets would consider to be fairly comprehensive.

Is there anything better than fetch? ›

Capital One Shopping is a popular shopping browser extension and app. And it's better than Fetch if you do a lot of online shopping, unsurprisingly. All you have to do is download its free extension. You can then use it to automatically find available coupon codes at 30,000+ stores as you shop.

Is Fetch a good way to make money? ›

Fetch is a legitimate way to earn cashback from scanning receipts. While customers have reported issues with the platform to the Better Business Bureau, Fetch received an A+ rating and actively responds to customer complaints.

Is there a catch to fetch rewards? ›

What's the catch? First, it does take a while to earn points. I'm a pretty lazy Fetch-user, meaning that I remember to log about 25% of all receipts I get. However, I averaged four $10 gift cards last year!

Is Fetch even worth it? ›

Yes, the Fetch app is legitimate. It is a popular rewards app that allows users to earn points by uploading photos of their shopping receipts. These points can be exchanged for gift cards from a wide range of retailers.

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