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Always 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.
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.
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 Comparison||Not Ranked||Not Ranked|
(20% copay at emergency hospitals unless life threatening, which is covered at 100%)
|Check Ups, Vaccinations, Spay/Neuter, Teeth Cleaning|
|Non-Routine Dental Treatment|
|Hip Dysplasia Waiting Period||6 Months||30 Days|
|Illnesses Waiting Period||15 Days||30 Days|
|Accidents Waiting Period||15 Days||5 Days|
|Alternative/Holistic Therapy||Extra Fee|
|Enrollment Fee||$35 ($25 in WA and $0 in MD and MI)|
|30-Day Money Back Guarantee|
|Claim Limits||$2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or Unlimited||Unlimited|
|Underwriter||XL Specialty Insurance Company||American Pet Insurance Company|
|A.M. Best Rating||A+||Unrated|
|No Exam Required to Set Baseline for Pet's Health|
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.
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 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.
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
|Deductible||Reimbursement %||Annual Maximum||Price 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.
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!
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.
Have you experienced an emergency with your pet before?
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