Trupanion vs Pets Best: Compare Coverage, Price, Customer Service & More

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.

Trupanion vs Pets Best logos with two dogs running (caption: Pet Insurance Comparison)

Have you seen flyers for Trupanion hanging in your vet’s office but heard about Pets Best from a friend? Do both companies insure the same accidents and illnesses, or is there a reason to choose one over the other?

Read our Trupanion vs Pets Best showdown to decide which company may be a better fit for your pet. We compare coverage, customer service, claim processing, customization options, and price to help you understand what each company has to offer.

Visit Trupanion’s Website | Visit Pets Best’s Website

TrupanionPets Best
Policy CoverageMore LimitedExtensive
Customer Service & ReputationExcellent, StableGood
Claim Processing Average2 Days10-30 Days
Price Of PolicyHigher On AverageLower on Average
Plan CustomizationsVery LimitedMany Options
Overall WinnerOrange X (No or Not)Brown checkmark (Yes)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows precisely what Trupanion and Pets Best cover. 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.

TrupanionPets Best
Ranking In Our Pet Insurance ComparisonBest Vet Direct PayBest Overall
Illness Waiting Period30 Days14 Days
Accident Waiting Period5 Days3 Days
Hip Dysplasia Waiting Period30 Days14 Days
CCL Surgery Waiting Period30 Days6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyExtra FeeOrange X (No or Not)
Wellness Care For An Extra FeeOrange X (No or Not)Brown checkmark (Yes)
Exam FeesOrange X (No or Not)Extra Fee
UnderwriterAmerican Pet Insurance CompanyAmerican Pet Insurance Company
A.M. Best RatingUnratedUnrated

Pets Best comes out ahead because it offers coverage for wellness items and exam fees for an additional charge. Pets Best also has shorter waiting periods for illness, accidents, and hip dysplasia.

Coincidentally, these two companies have the same underwriter, which is unrated by A.M. Best (a measurement of financial stability). This means that neither company is considered less risky regarding the dependability of claim repayment.

Pets Best logo

Another key deciding factor for you may be the age restrictions attached to Trupanion, which doesn’t enroll pets who are older than 14 years old. Overall, Pets Best offers more extensive coverage and fewer restrictions than Trupanion.

Policy Coverage Winner: Pets Best

Customer Service & Reputation

Person holding phone next to dog (Caption: Customer Service & Reputation Winner)

Trupanion has seen no significant policy changes for several years now, and prices have remained relatively consistent. This is a good sign that you can count on things being steady when you sign up for a Trupanion policy. However, Trupanion isn’t immune to high prices or coverage and reimbursement complaints.

In recent years, Pets Best suffered from many negative reviews regarding a prolonged claim processing timeline due to an influx of customers (due to COVID-19 increase in adoptions paired with Pets Best’s excellent coverage and low prices) adding pressure to the customer service team. The company has taken action to reduce this issue and is seeing a positive trend in improving their claims process turnaround time.

Pets Best logo

As you can see, both companies have areas they can improve, but Pets Best wins this category in the end.

Customer Service & Reputation Winner: Pets Best

Claim Processing

Doctor's office papers (Caption: Timeliness Of Claim Repayment)

Trupanion processes claims within two days on average. A two-day claim repayment is among the fastest and is considered extremely good. You may be able to have Trupanion pay your vet directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement. But this isn’t available everywhere, so check with your vet first to see if Trupanion Express is an option for you.

Pets Best averages 10 to 30 days for processing claims. This is considered long compared to the majority of its competitors. Pets Best also has an option to pay your vet directly, but this seems less available than Trupanion’s vet direct pay option. Be sure to speak with Pets Best and your vet about it before assuming this option is available for you.

trupanion

Because Trupanion has a much shorter claim processing average, it wins this category.

Claim Processing Winner: Trupanion

Price Of Policy

Dog laying next to money (Caption: Price Of Policy)

To give you an example of the price difference between Trupanion and Pets Best, we’ve created a quote comparison with an example dog. Quotes are from December 2021 for pets without a microchip, no multi-pet discount, and no pre-existing conditions.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual PayoutPrice Per Month
TrupanionLabrador RetrieverApril 2017FemaleCalifornia (90024)$25090%Unlimited$231.45
Pets BestLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$93.77
Trupanion40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50090%Unlimited$142.36
Pets Best40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$43.20
TrupanionAmerican Pit Bull TerrierJuly 2021MaleNew York (10012)$50090%Unlimited$121.83
Pets BestAmerican Pit Bull TerrierJuly 2021MaleNew York (10012)$50070%Unlimited$51.84

We like that Pets Best offers more annual payouts and reimbursement percentage options than Trupanion. It allows you the opportunity to adjust your coverage based on your budget. Trupanion is often more expensive than Pets Best for a similar deductible, reimbursement percentage, and annual payout.

Keep in mind that it’s always best to get quotes for your specific dog to compare what pet insurance could cost you. You can use our pet insurance quote form to get started. To see more quote comparisons, take a look at our pet insurance comparison page. You’ll see that Trupanion was consistently more expensive than Pets Best for every quote we ran but that does not mean this will be the case for you.

Pets Best logo

One additional cost consideration is servicing fees. Trupanion requires a one-time enrollment fee of either $0, $25, or $35, depending on the state in which you live, but has no transaction fees. Pets Best has a transaction fee of $2 for every payment (waived if you pay annually or live in AK or MD), but no one-time fees.

Price Of Policy Winner: Pets Best

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.

Pets Best

Pets Best offers the following discounts:

  • 5% off for multiple pets 
  • 5% off for military members and their families

Use this link to take advantage of the best possible price. No promo code is needed. You can also visit our dedicated Pets Best promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

One of the significant differences between these two companies is available plan customizations.

Trupanion has unlimited payouts and 90% reimbursement for all plans. The only customization option available on a Trupanion policy is the ability to choose the deductible amount between $0 and $1,000. These reduced customization options also make it easier to understand and make decisions. So, depending on how complicated you want your insurance to be, you might make a different choice than someone else with a different comfort level.

On the flip side, Pets Best offers many customizations, so you can adjust your policy to fit your budget.

  • Annual payout options: $5,000 and unlimited
  • Deductibles: $50, $100, $200, $250, $500, or $1,000
  • Reimbursement: 70%, 80%, or 90%
Pets Best logo

Overall, Pets Best has significantly more customization options than Trupanion, which often makes it more capable of fitting into your budget.

Plan Customization Winner: Pets Best

What’s Our Verdict?

In the end, Pets Best wins this comparison against Trupanion due to its thorough coverage, lower average prices, and considerable customization options. However, if you want coverage for your pet beginning at birth or faster claim processing, you may want to consider Trupanion. Further, you don’t know how prices will compare until you run quotes for both companies.

Pets Best 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 Pets Best.

Overall Winner: Pets Best

Our experts have spent hundreds of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks along with 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 cats and exotic pets (i.e., rabbits, guinea pigs, birds, etc.).

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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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