ASPCA Pet Health Insurance
vs. Trupanion

Trupanion promises "unlimited" coverage, which can come at a higher price than other types of plans. However, it may not be worth the extra cost, especially when the veterinary exam fee is excluded on all claims. See how deductible and premium choices could affect the value of "unlimited" plans.

Example Monthly Cost*
ASPCA Pet Health Insurance Trupanion
Level 2:
$32.22
Single Plan:
$41.39

* Based on mixed breed dog under age 1 in zip 11215 as of 4/17/14; using reasonably comparable plans, including co-insurance and deductible amounts where available.

We designed ASPCA Pet Health Insurance to give pet parents the right amount of coverage at the right price. In fact, our accident and illness plans can cost as much as 30% less than others, but only about 0.5% of our customers even hit their plan's coverage limit.+ Would a more expensive plan be worth the extra cost?

The type of deductible also can play a major role in your reimbursements.

View a claim example to see how deductibles work.

  ASPCA Pet Health Insurance Trupanion
Reimbursement Choice of 90%, 80% or 70% of
usual and customary covered costs
90% of covered vet costs, minus exam fees
Type of Deductible Annual Incident
Illness Waiting Period 30 Days 30 Days
Accident Waiting Period None 5 Days
Hereditary and Congenital Coverage Available Available
Alternative Therapy Coverage Included with two plans Optional add-on
Behavioral Coverage Included with two plans Optional add-on
Coverage for Chronic Conditions All levels come with Continuing Care to cover chronic conditions for eligible pets. Included, according to the
terms of the base plan
Multiple Pet Discount 10% for each additional pet None
Age Limits for Illness Coverage Enrollment
This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.
Dogs: 13
Cats: 15
Dogs: 14
Cats: 14
Accident-Only Plan Available for All Pets Yes No
Wellness Coverage Available None
Money Back Guarantee 30 Days 30 days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. Trupanion started selling
plans in the US in 2008.
Better Business Bureau Rating A+ A+

Make the best decision for your pet today! Get a free quote now for ASPCA Pet Health Insurance.


+Internal claims data, Feb. 2014

Comparison information is provided using publicly available information as of 10/28/13 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@hartvillegroup.com or mailing Marketing Department 3840 Greentree Avenue SW, Canton, Ohio 44706.