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

Voted #1 in America by veterinarians

Source: Survey commissioned by dvm360. Read more.

The difference is in the details

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		Embrace
No long waiting periods	Waiting periods for all injuries are 5 days and for all illnesses are 30 days	6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage
24/7 live support	Customer care available 100% of the week	Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST
VetDirect Pay™	Can pay participating hospitals directly at checkout	Can only pay wellness claims automatically

Plan features		Healthy Paws
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly at checkout
No age-based restrictions in payouts and coverage	Does not discriminate based on pet's age at enrollment	Limits reimbursement and deductible options at enrollment for older pets
No breed-based restrictions in payouts and coverage	Does not discriminate based on pet's breed	Limits reimbursement and deductible options at enrollment for certain breeds
No birthday pricing	No rate increases just because your pet has a birthday	In most states, they will automatically increase rates because your pet gets older
Complete coverage	You're fully covered after 30 days	You're not fully covered for the first 12 months

Plan features		Nationwide
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly
Flexible Deductible	Choose the deductible that works for you, anywhere between $0 and $1,000	Has only one deductible option of $250
No birthday pricing	No rate increases just because your pet has a birthday	In most states, will automatically increase rates because your pet gets older
Prevents sudden changes in coverage	Will not exclude previously covered conditions at renewal or drop coverage for no reason	Retains permission to exclude previously covered conditions at renewal and can drop coverage at any time with 10 days notice
24/7 live support	Customer care available 100% of the week	Member care available Monday - Friday 8 a.m. to 10 p.m. and Saturday 10 a.m. to 6:30 p.m. EST
Unlimited payouts	Yes. No caps or limits on the amount Trupanion pays out	One plan has a $10,000 limit, while the other uses a benefit schedule to place limits on different conditions
Enrollment limits on older pets	Will enroll any cat or dog up to 14 years of age	Will not enroll new pets at 10 years of age or older

Plan features		Pumpkin
Unlimited payouts	One simple plan with no caps or limits on what is paid out for eligible pet medical costs	One unlimited option if higher premium is selected. Limited options for lower premiums
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly at checkout
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 available Monday - Friday 8 a.m. - 8 p.m., EST
Flexible deductible	Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000	Just three deductible options ($100, $250, $500) that reset annually

Plan features		Lemonade
Unlimited payouts	One simple plan with no yearly caps or limits on what is paid out for eligible pet medical costs	Coverage starts at $5,000/yr, caps at $100,000/yr, and resets annually
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly at checkout
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	They do offer phone support, but do not specify hours it is available on their website
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 or more than $750

Plan features		Pets best
No payout limits	One simple plan with no yearly caps or limits on what is paid out for eligible pet medical costs	One unlimited option if higher premium is selected. Limited options for lower premiums
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly at checkout without cumbersome pre-approvals
No birthday pricing	No rate increases just because your pet has a birthday	May automatically increase rates every year as your pet ages
24/7 live support	Customer care available 100% of the week	Live customer service only available Monday–Friday from 6 a.m.–7 p.m. MST and Saturday from 6 a.m.–2 p.m. MST
Flexible deductible	Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000	Deductible options ($50, $100, $200, $250, $500, $1000) that reset annually

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

Plan features		Figo
No payout limits	One simple plan with no yearly caps or limits on what is paid out for eligible pet medical costs	Offers $5,000 and $10,000 annual max payouts, and unlimited is only available for a higher premium
VetDirect Pay™	Can pay participating hospitals directly at checkout	Does not offer direct payment to vets; you must pay the bill yourself and then file for reimbursement
No birthday pricing	No rate increases just because your pet has a birthday	May automatically increase rates every year as your pet ages
24/7 live support	Customer care available 100% of the week	Live customer service only available Monday through Friday from 7 AM to 7 PM CT and on Saturdays from 7:30 AM to 4 PM CT
Flexible deductible	Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000	Annual deductible options that fluctuate based on your pet’s age

Plan features		Progressive
No payout limits	One simple plan with no yearly caps or limits on what is paid out for eligible pet medical costs	One unlimited option if higher premium is selected. Limited options for lower premiums
VetDirect Pay™	Can pay participating hospitals directly at checkout	No automatic process to pay veterinarians directly at checkout without cumbersome pre-approvals
No birthday pricing	No rate increases just because your pet has a birthday	May automatically increase rates every year as your pet ages
Flexible deductible	Pick a per-condition, lifetime deductible that works best for your lifestyle and budget, anywhere between $0 and $1,000	Deductible options ($50, $100, $200, $250, $500, $1000) that reset annually

Don’t just take our word for it

distinguished cavalier king charles spaniels with red checkered bowtie in blanket

“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

white persian cat on floor with portable water bottle

“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 and kitten 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].

Pet insurance comparison: how we stack up

Trupanion goes beyond traditional coverage

Voted #1 in America by veterinarians

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