Trupanion vs Petplan: Compare Price, Coverage And More

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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

TRUPANION FLORIDA RESIDENTS: The plan reviewed here is not available for new customers in Florida. Contact Trupanion to learn more about what is available in your state and read the policy carefully for details.

Policy Coverage

See how Trupanion and Petplan compare side by side to get a quick picture of the similarities and differences.

Overall Ranking in our Pet Insurance ComparisonNot RankedNot Ranked
Blood TestsCheckmarkCheckmark
Cat ScansCheckmarkCheckmark
Behavioral TherapiesCheckmarkCheckmark
Specialized ExamsCheckmarkCheckmark
Emergency CareCheckmark
(20% copay at emergency hospitals unless life threatening, which is covered at 100%)
Specialty CareCheckmarkCheckmark
Pre-existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Non-Routine Dental TreatmentCheckmarkCheckmark
Hip Dysplasia Waiting Period6 Months30 Days
Chronic ConditionsCheckmarkCheckmark
Illnesses Waiting Period15 Days30 Days
Accidents Waiting Period15 Days5 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Alternative/Holistic TherapyCheckmarkExtra Fee
Prescription MedicationsCheckmarkCheckmark
Enrollment Fee$35 ($25 in WA and $0 in MD and MI)
30-Day Money Back GuaranteeCheckmarkCheckmark
(30-Day Certificate)
Claim Limits$2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or UnlimitedUnlimited
BBB RatingA+B+
UnderwriterXL Specialty Insurance CompanyAmerican Pet Insurance Company
A.M. Best RatingA+Unrated
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, resulting in increased premiums 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 business 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 Trupanion works 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.

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 December 16, 2019
 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 than the other — so it truly is a case-by-case situation on which company has lower premiums. 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 levels 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 CYBER20A to receive up to 10% off + $35 Visa Gift Card if you sign up online. Alternatively, call 800-237-1123 if you prefer to speak to a person.


Looking for a Trupanion promo code? Click here for the best deal we could find.

What If My Dog Has Special Needs?

Many pet insurance providers offer great plans for dogs who need special coverage. Be sure to research the possible conditions your dog and his 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. Be sure to watch until the end. The last clip of Walter and Joe is precious!

What’s The Verdict?

In the end, we feel that Petplan is the better of these two providers. 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?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

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.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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