Trupanion vs Petplan: Compare Price, Coverage and More

To sustain this free service, we receive affiliate commissions via some of our links. This doesn’t affect rankings. Our review process.

Trupanion vs PetplanAlways take your dog to the vet if you think they are ill or injured. You shouldn’t have to choose between your wallet and your pet’s health. That’s why they offer pet insurance! Sign up for pet insurance, so you don’t have to think twice when an animal emergency arises or take money from your savings to pay for your dog’s expensive vet bills.

Visit Petplan’s Website | Visit Trupanion’s Website

Policy CoverageCheckmark

Customer Service & ReputationCheckmark

Timeliness of Claim RepaymentCheckmark

Price of PolicyCheckmark

Overall WinnerCheckmark

Policy Coverage

Comparing companies side by side is sometimes easier than reading reviews. So we’ve taken Petplan and placed it next to Trupanion in this comparison table to show you what each covers. This will help you see the similarities and differences.

Overall Ranking in our Pet Insurance Comparison3rdNot Ranked


Blood TestsCheckmark




Cat ScansCheckmark






Behavioral TherapiesCheckmark


Specialized ExamsCheckmark






Emergency CareCheckmark

(20% copay at emergency hospitals unless life threatening, which is covered at 100%)

Specialty CareCheckmark




Pre-existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Non-Routine Dental TreatmentCheckmark


Hip DysplasiaCheckmark

Waiting Period - 15 Days

Waiting Period - 30 Days
Chronic ConditionsCheckmark



Waiting Period - 15 Days

Waiting Period - 30 Days

Waiting Period - 5 Days

Waiting Period - 5 Days
Hereditary ConditionsCheckmark


Congenital ConditionsCheckmark


Cancer TreatmentsCheckmark


Diagnostic TreatmentCheckmark


Alternative/Holistic TherapyCheckmark

Extra Fee
Prescription MedicationsCheckmark


Enrollment Fee$35
30-Day Money Back GuaranteeCheckmark


(30-Day Certificate)
Claim Limits$2,500, $5,000, $10,000, $20,000, $25,000 or UnlimitedUnlimited
BBB RatingA+A
UnderwriterXL Specialty Insurance Company (XL Catlin)American Pet Insurance Company
A.M. Best RatingAUnrated
No Exam Required to Set Baseline for Pet's HealthCheckmark

Coverage is fairly similar here; however, we feel Petplan’s is slightly better because it covers alternative/holistic therapy at no additional cost and doesn’t charge an enrollment fee. We also like that Petplan’s underwriter is rated by A.M. Best whereas Trupanion’s is not. Plus, Trupanion has age restrictions – new customers with dogs older than age 14 cannot enroll.

Petplan logoWinner: Petplan

Customer Service & Reputation

Customer service and reputation should be at the top of your list when choosing a pet insurance company. You don’t want to be on the phone waiting for someone to pick up to answer your question. You want quick, friendly service, so make sure you consider the customer service history of the company.

Petplan is known for having some of the best customer service in the pet insurance industry. It ran into a small hiccup when it changed underwriters in 2016 since it caused premiums to increase for existing customers, but since then, its reputation has recovered.

Trupanion has a history of more service-oriented complaints than Petplan does, which is why we feel Petplan is the winner in this category.

Petplan logoWinner: Petplan

Timeliness Of Claim Repayment

Petplan has a quick average claim repayment of 5 to 14 days, but allows up to 30 days. Trupanion allows up to 60 days to pay its claims. The sooner you can get your reimbursement back the happier you’ll be. Petplan is the clear winner here with a shorter claim repayment time. However, you should see if they work with your vet directly via the Vet Direct Pay system that may allow the vet to get paid by Trupanion so that portion of your bill never comes out of pocket.

Petplan logoWinner: Petplan

Price Of Policy

Want to see an example of what you’d pay for Trupanion and Petplan? Check out these quotes comparing the same dog with the same characteristics. Click on the links above to visit each website and get a quote for your dog from each company.

Characteristics considered for these quotes:

  • Neutered male Golden Retriever, 2-years-old
  • No Microchip, multi-pet discount or pre-existing conditions
  • Residency in Los Angeles, California (zip code 90016)
  • Quotes from May 14, 2018
 DeductibleReimbursement %Annual MaximumPrice Per Month

To see more quote comparisons, take a look at our Pet Insurance Quotes page. You’ll find that price quotes between Trupanion and Petplan flip-flopped a lot – sometimes one was more expensive and the next the other – but Petplan came out slightly lower overall in the quotes we ran. Please note that the quotes on the page linked above are not comparing apples to apples though since Trupanion only has a 90% reimbursement option.

It’s also important to note that Petplan allows for more customization with reimbursement level and annual limit amounts. So if you’re looking for a less expensive plan to cover the basics, Petplan may offer more options.

Combining all of this information together, Petplan is the winner because it came out least expensive more often and it does not charge a one-time enrollment fee.

Petplan logoWinner: Petplan



Use coupon code CanineJournal to receive an additional 5% discount (10% total if you sign up online). Alternatively, if you call 800-237-1123 you will automatically get the additional 5% discount! You can also visit our dedicated Petplan promotions page to discuss current offers.


There are not any active Trupanion coupon codes at this time.

What If My Dog Has Special Needs?

Many pet insurance providers offer great plans for dogs who need special coverage. Be sure to research what possible conditions your dog and its breed could be diagnosed with so that you get a plan that covers it.

In the meantime, check out this adorable video that celebrates deaf dogs. You’d never even guess they’re deaf! Tip: Watch until the end! The last clip of Walter and Joe is precious!

Overall Winner

In the end, we feel that Petplan is the better of these two in this comparison. Of course, we always recommend getting quotes from multiple pet insurance providers before making your decision.

Petplan logoWinner: Petplan

Of course, there are other options out there besides Trupanion and Petplan. Check out our Pet Insurance Reviews to see how all the best pet insurance companies compare against one another.

Have you experienced an emergency with your pet before?

Disclaimer: Information regarding insurance company offerings, pricing 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 pet health 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.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

Leave a Reply