One of the biggest differences between ASPCA Pet Health Insurance and Trupanion has to do with veterinary exam fees. ASPCA Pet Health Insurance plans covers exam fees, which are part of nearly every veterinary bill. Trupanion does not cover these charges even when the exam is related to a covered condition.

ASPCA® Pet Health Insurance Trupanion: Medical insurance for your pet
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 Per condition
Illness Waiting Period 14 Days 30 Days
Accident Waiting Period 14 Days 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 Covered on core policy
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
Upper 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

Trupanion Pet Insurance Plan Comparison

From exam fees to deductibles, there are some significant differences between ASPCA® Pet Health Insurance plans and Trupanion that are important to know as you shop around.

Exam Fees

With Trupanion pet insurance, exam fees are not covered, even if the condition is otherwise eligible for coverage. Exam fees are included in pretty much every veterinary bill. ASPCA® Pet Insurance plans help you manage the costs of exam fees for covered conditions.


ASPCA® Pet Insurance plans have an annual deductible with options of $100, $250, and $500, which allows you to customize your plan to suit your budget and coverage needs. If you choose a higher deductible, you can lower your premium, but you will need to meet a higher amount before you can start getting reimbursed. You only need to meet this deductible once a year no matter how many times your pet gets hurt or sick.

Trupanion coverage has a per condition deductible. That means you’ll need to meet this amount every time your pet is diagnosed with a new condition.

Illness Waiting Period

The Trupanion waiting period for illness coverage is 30 days. If your pet gets sick during the first month of your coverage, that illness won’t be eligible for coverage. It will also be considered a pre-existing condition and won’t be eligible for coverage in the future. ASPCA® Pet Health Insurance plans have an illness waiting period of only 14 days.

Preventive Care Coverage

ASPCA® Pet Health Insurance plans offer two options for preventive care coverage, which can be added to your plan at a low additional cost. Trupanion does not offer wellness coverage at all. Even if you’re not considering wellness coverage, you may want to choose a provider who offers it in case you change your mind later.

Accident Only Plan

We offer an accident only plan for pet parents who just want some financial cushion for accidents. Trupanion does not offer an accident only option.

Alternative Therapies and Behavioral Conditions

Alternative therapies (such as acupuncture, hydrotherapy, and massage), behavioral conditions (with symptoms like excessive barking, destructive chewing, or going outside the litter box), and stem therapy are all optional add-ons with Trupanion. You’ll need to pay extra to add each of these types of coverage to your Trupanion plan. The ASPCA® Pet Health Insurance program includes all of this coverage in our Complete CoverageSM plan.

Prescription Food

Trupanion has coverage for prescription food up to 50% of the cost for up to 2 months. ASPCA® Pet Health Insurance plans offer this coverage without a separate reimbursement percentage or time limit to treat covered conditions (not for general maintenance or weight management).

Multiple Pet Discounts

ASPCA® Pet Health Insurance has a 10% multiple pet discount for all additional pets, while Trupanion does not offer any discounts for covering more than one pet. If you currently only have one pet, you might not think this matters. But you may want to add another cat or dog to your family in the future, in which case the 10% discount would save you money on each pet after your most expensive pet.

*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.

Comparison information is provided using publicly available information as of 2/1/21 and is only meant to summarize program features, not a specific plan.

Review the provider’s plan terms for more details. The description of the providers’ plans are 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. We attempt to keep information up to date but 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 or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.