Key Differences
Trupanion’s reimbursement rate and annual limit are fixed, and the ASPCA Pet Health Insurance Program is fully configurable.
The ASPCA Pet Health Insurance Program has shorter accident and illness waiting periods than Trupanion.
Trupanion offers Direct Vet Pay.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA Pet Health Insurance Program and Trupanion offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
7,591 |
9,507 |
Deductible: |
$100, $250, or $500 |
$0 to $1000 |
Reimbursement: |
70%, 80%, or 90% |
90% |
Annual Limit: |
$2,500 to $10,000 |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
15 days |
5 days |
Illness Waiting Period: |
15 days |
30 days |
Wellness Waiting Period: |
0 days |
N/A |
Orthopedic Waiting Period: |
14 days |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Limited Coverage |
Included |
Exam Fee Coverage: |
Yes |
No |
Direct Vet Pay: |
No |
Yes |
Claims Expiration: |
Within 270 days of treatment |
Within 90 days of treatment |
Claims Submission App: |
Yes |
No |
The ASPCA Pet Health Insurance Program Accident and Illness Coverage
The accident and illness coverage from the ASPCA Pet Health Insurance Program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $7,000, or $10,000
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Limited)
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
Preventative Care Coverage
The ASPCA Pet Health Insurance Program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Trupanion Accident and Illness Coverage
Trupanion offers an accident and illness plan. While the annual limit and reimbursement rate are fixed, your deductible is configurable. Trupanion does not offer an optional wellness coverage add-on to supplement its pet insurance plan.
Deductible Options
$0 to $1000
Reimbursement Options
90%
Annual Limit Options
Unlimited
What's Covered
Accidents
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Illnesses
Prescription Medications
Prosthetic Devices and Wheelchairs
Surgery
Optional Coverage Add-Ons
Trupanion offers additional coverage you can choose to opt-in for added coverage to your base pet insurance plan.
Recovery And Complementary Care Optional Add-On
If you would like to add more support for covering non-clinical procedures, select this add-on.
Acupuncture
Behavioral modification
Chiropractic
Homeopathy
Hydrotherapy
Naturopathy
Physical therapy
Rehabilitative therapy
Pet Owner Assistance Optional Add-On
If you would like to add more support for covering services and unexpected events outside of the veterinary office, select this add-on.
Advertising and reward
Boarding fees in the event you are hospitalized
Liability coverage for third-party property damage
Cremation or burial for deaths due to accident
Holiday vacation cancellation costs
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA Pet Health Insurance Program and Trupanion.
ASPCA Pet Health Insurance Program Claims Details
The ASPCA Pet Health Insurance Program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Trupanion Claims Details
Trupanion offers Vet Direct Pay which means they can pay vet bills at checkout wherever it is accepted instead of you having to file a claim. In the case that you do have to file a traditional claim, you can submit them via fax, mail, or email with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission online
Offers direct vet pay at checkout
Our ASPCA Pet Health Insurance Program vs. Trupanion Review
The ASPCA Pet Health Insurance Program and Trupanion offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. The ASPCA Pet Health Insurance Program offers an optional wellness coverage add-on, but Trupanion does not. You can configure the deductible of Trupanion’s plan, but the maximum annual limit and reimbursement rate are fixed. The ASPCA Pet Health Insurance Program offers multiple reimbursement, deductible, and annual limit options to choose from to customize your coverage and price. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
