Pet insurance comparison: how we stack up

Tracking down the best pet insurance is hard, but it doesn’t have to be. Discover how Trupanion compares to other providers.

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How we compare

Trupanion goes beyond traditional coverage

The best cat insurance and dog insurance coverage stand out. Explore the difference one simple plan can make with unlimited payouts, VetDirect Pay™, and so much more.

Traditional pet insurance	Trupanion™
Paying your whole bill upfront and waiting to get reimbursed	Having your vet paid directly (often in seconds!)
Sacrificing comprehensive care for a cheaper monthly rate	One simple plan that provides comprehensive, quality coverage
Limited payouts or reimbursement ceilings that can restrict coverage	Unlimited payouts no matter how often you need to use your pet’s coverage
Annual deductibles that keep you paying for the same condition every year	Per-condition deductibles that you only have to meet once in your pet’s lifetime

#1 in Canada with more pets covered than any other provider

The difference is in the details

Plan features		Pets Plus Us
VetDirect Pay™	Can pay participating hospitals directly at time of checkout	Operates on a reimbursement model where you pay upfront and then wait for a cheque
Flexible deductibles	Select a deductible that works for your budget, from $0 to $1,000	Has limited choices in deductibles and will increase the cost based on pet age
Restricted coverage for unlucky pets	Pre-existing conditions not covered, but pet is still eligible for new condition coverage	Pets with certain conditions prior to enrollment are restricted to accident-only coverage
Unlimited payouts	No payout limits ever	Caps payouts at $7,500 and $15,000, depending on the specific plan
24/7 live support	Customer care available 100% of the week, all throughout the year	Has specific call hours from 8 a.m. to 8 p.m. EST and is closed on weekends

Plan features		Fetch
No extended waiting periods	5-day waiting periods for injuries, 30 days for illnesses	6-month waiting periods for any treatment of cruciate ligaments or patellar luxation - can be waived with vet exam only
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly
No birthday pricing	No rate increases just because your pet has a birthday	Automatically increases rates every year because pet age increases, in addition to other adjustments
24/7 live support	Customer care available 100% of the week	Live customer service available Monday - Friday 9 a.m. - 8 p.m., Saturday 10 a.m. – 6:30 p.m., EST
Lifetime per condition deductible	Only meet your deductible once per condition for your pet’s entire life	Deductibles reset every policy term, potentially reducing lifetime coverage

Plan features		Spot
No payout limits	One simple plan with no caps or limits on what is paid out for eligible pet medical costs	Plans come with annual benefit limits unless you opt for the more expensive unlimited coverage
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly in any manner
No birthday pricing	No rate increases just because your pet has a birthday	May automatically increase rates every year due to pet aging, in addition to other adjustments
24/7 live support	Customer care available 100% of the week	Live customer service only available Mon – Fri 8am – 8pm EST and Saturday 9am - 5pm EST and closed Sundays
Flexible deductible	Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000	Deductible cannot be less than $100 and resets annually

Don’t just take our word for it

“I am profoundly thankful for the peace of mind I get from having Jiminy insured with Trupanion, knowing that I can give him a bright future full of new experiences, adventure and restful moments together!”

Almost $20,000 paid for Jiminy

with a Trupanion policy

“He was so tiny and helpless, and this was truly the most traumatic thing I could imagine. Harold's animal hospital went directly through Trupanion, so I never saw a bill while this was all going on.”

Over $10,000 paid for Harold

with a Trupanion policy

“I found comfort in the knowledge that despite the fact that I did not know what was in store for Dresden in the days to come, I would not have to shoulder the financial burden alone.”

Over $2,500 paid for Dresden

with a Trupanion policy

Get the care your best friend deserves

From lovable mutts to specific breeds, we provide medical coverage that’s with you from the adorable puppy years to those sweet, sunset moments.

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These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of February 28, 2023. This comparison guide is only intended to summarize features, not provide details on specific plans or coverage amounts. Coverage options for each company are interpreted by Trupanion (underwriters American Pet Insurance Company and in Canada by Accelerant Insurance Company of Canada) as being comparable. Trupanion recognizes that alternate policies, coverages, deductible levels, and coinsurance levels may be available from these providers for different premium costs. If you have questions about non-Trupanion pet insurance plans, please contact that company directly. It is our intention at Trupanion to provide fair, accurate, and current comparison information to help consumers on their pet insurance research journey. That said, we acknowledge that coverage details for each provider can change at any time. If you spot any inaccuracies or changes in the information provided above, we invite you to let us know by emailing [email protected].

Plan features		Petsecure
VetDirect Pay™	Can pay participating hospitals directly at time of checkout	Operates on a reimbursement model where you pay upfront and then wait for a cheque
No punishment for filing claims	Your rate and coverage will not change simply because your pet gets sick or injured	May adjust your coverage if you file too frequently or too much
Flexible deductibles	Select a deductible that works for your budget, from $0 to $1,000	Limited deductible choices that increase with the age of your pet
Won’t suddenly drop or change coverage	Offers coverage for the life of your pet and won’t drop for no reason	Reserves the right to cancel or change coverage at any time
24/7 live support	Customer care available 100% of the week, all throughout the year	Has specific call hours on weekdays and is closed on Sundays

Pet insurance comparison: how we stack up

Trupanion goes beyond traditional coverage

#1 in Canada with more pets covered than any other provider

The difference is in the details

Don’t just take our word for it

Get the care your best friend deserves

We’re always ready to help