With Trupanion’s plan, exam fees are not covered, even if the condition is otherwise eligible for coverage. Trupanion also does not offer wellness coverage. With our Complete CoverageSM, exam fees—including specialist and emergency exams—are covered. We also offer three preventive care coverage options to help you provide your pet’s annual exams, vaccines and flea/tick medication.

Example Monthly Cost*
Complete CoverageSM
$10,000 Annual Limit:
Single Plan:
Trupanion Pet Insurance
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
90% of covered vet costs, minus exam fees
Unlimited Plan Available Yes Yes
Type of Deductible Annual Incident
Illness Waiting Period 14 Days 30 Days
Accident Waiting Period None 5 Days
Preventive Care Optional add-on No
Coverage Includes:    
Exam Fees Yes No
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes
Alternative Therapies Yes Optional add-on
Behavioral Issues Yes Optional add-on
Dental Illnesses Yes Yes
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes Optional add-on
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes, with no separate reimbursement percentage or time limit Yes, up to 50% of the cost for up to 2 months
Microchip Yes No
No Vaccination Requirements for Coverage of Certain Conditions Yes No
Multiple Pet Discount 10% for each additional pet No
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.

None Dogs: 14
Cats: 14
All Pets Eligible, Regardless of Health Yes Yes
Accident-Only Plan Available for All Pets Yes No
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+