Trupanion vs ASPCA Pet Insurance: Which Is Better Suited For Your Needs?

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Golden Retriever dog and Vizsla dog saying hello and sniffing noses (Caption: Trupanion vs ASPCA)

Trupanion and ASPCA Pet Insurance are both big names in the pet world. But how do you choose one company over the other for your financial risk management needs? Is one better for most needs, and if so, which? We’ll help you decide which pet insurance company may be the best fit for your dog or cat’s needs.

Visit Trupanion’s Website | Visit ASPCA Pet Insurance’s Website 

TrupanionASPCA Pet Insurance
Policy CoverageMore LimitedExtensive
Customer Service & ReputationExcellent, StableGood
Claim Processing Average2 Days15-30 Days
Price Of PolicyHigher On AverageVariable
Plan CustomizationsVery LimitedFewer Options
Overall WinnerBrown checkmark (Yes)Orange X (No or Not)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows what Trupanion and ASPCA Pet Insurance cover.

Note: Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.

Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

TrupanionASPCA Pet Insurance
Illness Waiting Period30 Days14 Days
Accident Waiting Period5 Days14 Days
Hip Dysplasia Waiting Period30 Days14 Days
CCL Surgery Waiting Period30 Days14 Days
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyExtra FeeBrown checkmark (Yes)
Wellness Care For An Extra FeeOrange X (No or Not)Brown checkmark (Yes)
Exam FeesOrange X (No or Not)Brown checkmark (Yes)
UnderwriterAmerican Pet Insurance CompanyUnited States Fire Insurance Company
A.M. Best RatingUnratedA

ASPCA Pet Insurance comes out ahead in this category because it offers more coverage and shorter waiting periods. Additionally, its underwriter has an A rating by A.M. Best (a measurement of financial stability). On the flip side, Trupanion’s underwriter is unrated, which may make some uneasy.

Another key deciding factor for you may be the age restrictions attached to Trupanion’s policies, especially if you are looking to insure an older pet. This provider doesn’t enroll pets older than 14 years old.

ASPCA Insurance logo

ASPCA Pet Insurance wins this category with more extensive coverage, shorter waiting periods, and no age restrictions.

Policy Coverage Winner: ASPCA Pet Insurance

Customer Service & Reputation

Person holding phone next to dog (caption: Customer Service Winner)

Trupanion has a history of providing dependable coverage at a consistent price. Despite being unranked by A.M. Best, the company hasn’t experienced any massive changes in years, which shows that you can count on a fairly reliable experience when you sign up for a Trupanion policy. It also means you should get what you expect in most cases when you go to place a claim.

Trupanion logo

On the other hand, ASPCA Pet Insurance has many complaints from customers regarding low reimbursements, slow claim processing, conditions flagged as pre-existing, and more. This is frustrating for customers because they purchase a policy expecting certain things to be covered and reimbursed, and they feel disappointed by what they actually get from ASPCA Pet Insurance.

Customer Service & Reputation Winner: Trupanion

Claim Processing

Doctor's office papers (caption: Claim Repayment Winner)

Trupanion averages two-day claim processing, which is among the fastest in the industry. Additionally, Trupanion offers Trupanion Express which pays participating vets directly, removing the burden for you to pay a hefty vet bill in advance while you wait for reimbursement. But this isn’t available everywhere, so check with your vet first to see if it is an option for you. They may even be willing to work with Trupanion to add this capability to ensure prompt payments from all future customers.

Trupanion logo

On the other hand, ASPCA Pet Insurance averages 15-30 days for claim processing, much longer than Trupanion’s. It also has a program to pay vets directly, but it’s not available at every veterinary office either.

Claim Processing Winner: Trupanion

Price Of Policy

Dog laying next to money (caption: Pricing Winner)

Trupanion requires a one-time enrollment fee of either $0, $25, or $35, depending on the state in which you live, but charges no monthly transaction fees. On the other hand, ASPCA Pet Insurance doesn’t have a one-time sign-up charge but does add a $2 transaction fee each month. In just 12 months, you will have paid $24 in fees to ASPCA which is likely pretty close to what you would have paid Trupanion upfront, so considering these fees may be a bit misleading at first glance.

Pricing is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. Then use our pet insurance quote form to see how other top companies compare for your unique pet.

ASPCA Insurance logo

On average, Trupanion is among the most expensive, while ASPCA Pet Insurance’s prices tend to fall in the middle among the competition. It’s hard to compare apples to apples because Trupanion has unlimited claim payouts for all plans, while ASPCA Pet Insurance doesn’t offer an unlimited option at all. So, depending on how much coverage you end up needing for your pet, the limits may or may not come into play. There is no way to know when you are signing up what emergencies might arise.

Price Of Policy Winner: ASPCA Pet Insurance

Coupons

Trupanion

Use this link to take advantage of the best possible price and get a quote for your pet from Trupanion. You can also visit our dedicated Trupanion promotions page to learn more.

ASPCA Pet Insurance

ASPCA Pet Insurance offers the following discount: 

  • 10% off for multiple pets 

Use this link to take advantage of the best possible price. No promo code is needed.

Plan Customization

Several types of dogs sitting together (caption: Customize Plan Winner)

Other significant differences between these two companies include the level of plan customization available and age restrictions.

Trupanion has unlimited payouts and 90% reimbursement for all plans. This means that if your dog ends up in a very expensive treatment situation, you will be able to manage the finances no matter what and only owe 10% of approved claim costs after your deductible is covered. But with the only Trupanion customization option available being to choose your deductible between $0 to $1,000 (Generally, the higher the deductible, the lower the premium price will be), it is tough to give them points for customization options. This could be a negative if you are looking for more options to help you find a more manageable monthly premium amount.

ASPCA Pet Insurance offers many customization options.

  • Annual payout options: $3,000, $4,000, $5,000, $7,000, or $10,000
  • Deductibles: $100, $250, or $500
  • Reimbursement: 70%, 80%, or 90%
ASPCA Insurance logo

Overall, Trupanion has fewer customization options than ASPCA Pet Insurance, which may make it more challenging to fit into your budget. This is why ASPCA Pet Insurance wins this category.

Plan Customization Winner: ASPCA Pet Insurance

What’s The Verdict?

Overall, Trupanion wins our comparison due to its longstanding customer service reputation and faster claim processing. However, if you want a company with more customization options and lower average pricing (but be sure to run a quote to see how the prices compare for your unique pet), you might consider ASPCA Pet Insurance.

Trupanion logo

If you didn’t find what you were looking for, our experts dig even deeper into each company in our individual reviews of Trupanion and ASPCA Pet Insurance. You also might want to consider a few other companies in your analysis before making your final decision.

Overall Winner: Trupanion

Our experts have spent hundreds of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance companies.

If you prefer to see winners by category, check out our best pet insurance comparison. We give awards for the best price, multi-pet discounts, 100% reimbursement, unlimited payouts, and other “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, vet direct pay, and more. You’ll even see winners for exotic pets and cats.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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