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.

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.

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

TrupanionPets Best
Policy CoverageMore LimitedExtensive
Customer Service & ReputationExcellent, StableGood
Claim Processing Average2 Days7-14 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
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)
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
Independence American Insurance Company (IAIC) (CA only)
A.M. Best RatingUnratedUnrated

*Waiting periods for Maine 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.

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 7-14 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.

Claim Processing Winner: Trupanion

Price Of Policy

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

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.

Pets Best logo

Price Of Policy Winner: Pets Best



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.

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%
Accident-Only PlanNo x markcheckmark
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 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.

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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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