Pet Insurance

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

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Last Updated: April 30, 2024 | 4 min read | Leave a Comment

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

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2 spotted dogs looking up at the camera sitting in the grass off leash

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.

TrupanionPets Best
Policy CoverageLimitedExtensive
Customer Service & ReputationExcellent, StableGood
Claim Processing Average2 Days18-30 Days
Price Of PolicyHigherVariable
Plan CustomizationsLimitedMany
Overall WinnerBrown checkmark (Yes)
Get Trupanion QuoteGet Pets Best Quote
 Compare QuotesCompare Quotes

Policy Coverage

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
Illness Waiting Period*30 Days14 Days
Accident Waiting Period*5 Days3 Days
Hip Dysplasia Waiting Period*30 Days14 Days
CCL Surgery Waiting Period*30 Days6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyExtra FeeOrange X (No or Not)
Exam FeesOrange X (No or Not)Extra Fee
UnderwriterAmerican Pet Insurance CompanyAmerican Pet Insurance Company
Independence American Insurance Company (IAIC) (CA only)
A.M. Best RatingUnratedUnrated
A-

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

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. However, Pets Best does use IAIC as the underwriter for California policies, which has an A- rating from A.M. Best giving it a stronger financial reputation.

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.

Customer Service & Reputation

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.

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

Claim Processing

Claim Processing Winner

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 18-30 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.

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

Price Of Policy

Price Of Policy 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, Pets Best 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 Pet Best 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.

Your premium price quote 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.

Pets Best almost always came out less expensive than Trupanion in the quotes we’ve run. However, remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost for you. You can use our pet insurance quote form to get multiple company quotes when you complete this one-quick form.

Coupons

Trupanion

Use this link to take advantage of the best possible price and get a quote for your pet from Trupanion.

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.

Plan Customization

Plan Customization Winner

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

TrupanionPets Best
Annual Payout OptionsUnlimited$5,000, unlimited
Deductible Options$0-$1,000$50, $100, $200, $250, $500, $1,000
Reimbursement Options90%70%, 80%, 90%
Optional Wellness PlanNo x markcheckmark
Accident-Only PlanNo x markcheckmark

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

What’s Our Verdict?

Overall Winner

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.

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.

Our experts have spent thousands 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. So, if you want to know how other providers compare against one another, you may find this review helpful in your pet insurance search.

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.

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.

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