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.

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.

Example Monthly Cost**
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Level 2:
Single Plan:
ASPCA Pet Health InsuranceTrupanion Pet Insurance
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+ B