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ASPCA Pet Health Insurance vs. Trupanion

Both Trupanion and ASPCA pet insurance are reputable, highly respected pet insurance brands. Both companies offer excellent accident and illnesses coverage – ASPCA allows you to pick a plan that suits your pet’s needs and your budget, while Trupanion offers one simplified plan that covers everything.

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ASPCA Pet Insurance Trupanion Pet Insurance
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Overall Rating:
Total Reviews: 6,145 7,943
Deductible: $100, $250, or $500 $0 - $1,000
Reimbursement: 70% - 90% 90%
Annual Limit: $2,500 - $10,000 Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 15 days 5 days
Waiting Period for Illnesses: 15 days 30 days
Waiting Period for Orthopedic Coverage: 15 days 30 days
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Excluded
Vet Restrictions: None None

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Variety vs. Simplicity

ASPCA Pet Health Insurance and Trupanion are two of the most respected providers in America.

ASPCA’s pet insurance plan is underwritten and administered by Crum & Forster, which is a subsidiary of Fairfax Holdings and one of the oldest and most stable insurance underwriters in North America.

Trupanion is a publicly traded company and they do their own underwriting under the American Pet Insurance Company title.

When it comes to coverage, both companies offer excellent accident and illnesses coverage (standard). The biggest differences between the two is that ASPCA offers optional wellness care coverage and ASPCA allows you to choose a reimbursement percentage.

ASPCA Pet Health Insurance

The ASPCA pet insurance brand lets you choose the type of insurance coverage you need the most so that you don’t need to spend extra on coverage you don’t. With ASPCA pet insurance, you can visit any vet in the United States or Canada, and they also offer a 30-day money-back guarantee.

  • View the ASPCA general overview
  • Deductible: $150 – $500
  • Reimbursement: 70% – 90%
  • Emergency Care: Included
  • Waiting period for accidents/Illnesses: 14 days/14 days

Trupanion Pet Insurance

Trupanion was founded and is run by pet lovers. Since its inception in 2000, it has become one of the fastest growing pet insurance brands in North America. They offer vet direct pay, do not cap coverage with a payment of 90% of your claims, and provide 24/7 customer care.

  • View the Trupanion general overview
  • Deductible: $0 – $1,000
  • Reimbursement: 90%
  • Emergency Care: Included
  • Waiting period for accidents/Illnesses: 5 days/30 days

Coverage Comparison

Both ASPCA and Trupanion offer plans that cover all accidents and illnesses. However, wellness coverage is not offered as an option with Trupanion, whereas with ASPCA pet insurance it is. Both have no vet restrictions.

Price Comparison

The biggest difference between Trupanion and ASPCA pet insurance is that ASPCA offers optional wellness care coverage and allows you to choose a reimbursement percentage. Trupanion is the only pet insurance company that is publicly traded.

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Related Content

ASPCA Pet Insurance Enrollment Requirements

Enrollment Exam Requirements: There are no enrollment exam requirements.

Trupanion Pet Insurance Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.