Key Differences
Trupanion’s reimbursement rate is fixed at 90%, and Prudent Pet‘s is configurable up to 90%.
Prudent Pet’s annual limit is configurable up to unlimited, and Trupanion’s is fixed at unlimited.
Trupanion’s illness waiting period is longer than Prudent Pet’s.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Prudent Pet and Trupanion offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
2,697 |
9,507 |
Deductible: |
$100, $250, $500, or $1,000 |
$0 to $1000 |
Reimbursement: |
70%, 80%, or 90% |
90% |
Annual Limit: |
$2,500, $5,000, $10,000, or Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
5 days |
5 days |
Illness Waiting Period: |
14 days |
30 days |
Wellness Waiting Period: |
0 days |
N/A |
Orthopedic Waiting Period: |
6 months, optional waiting period waiver |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Limited Coverage |
Included |
Exam Fee Coverage: |
Optional |
No |
Direct Vet Pay: |
Yes, on a case-by-case basis |
Yes |
Claims Expiration: |
90 days after the end of the policy period |
Within 90 days of treatment |
Claims Submission App: |
No |
No |
Prudent Pet Accident and Illness Coverage
Prudent Pet offers two accident and illness plans: Essential and Ultimate. You can configure the deductible and reimbursement rate for the plan you select to fit your needs and budget.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $10,000, or Unlimited
What's Covered
Here is what is covered in each plan that Prudent Pet offers.
Essential Plan
The Essential accident and illness plan offers a $10,000 annual limit which cannot be configured. You can adjust the deductible and reimbursement rate to your preference.
Alternative Therapies (Vet-Prescribed)
Behavioral Disorders
Bite Wounds
Broken Bones
Cancer & Growths
Cancer Treatments
Congenital (Birth) Defects or Abnormalities
Digestive Illness
Eye, Ear, Skin Conditions
Emergencies
Hereditary Conditions
Hip Dysplasia
Hospitalizations
Injuries to Teeth or Mouth
Prescription Meds
Radiology & Diagnostic Tests
Surgery & Specialized Care
Swallowed Objects
Urinary Infections
Ultimate Plan
The Ultimate accident and illness plan offers an unlimited annual limit that cannot be configured. You can adjust the deductible and reimbursement rate to your preference. This plan covers everything that is in the Essential plan, plus:
Advertising & Reward
Boarding Kennel & Cattery Fees
Loss Due to Theft or Stray
Mortality Benefit
Vacation Cancellation
Optional Coverage Add-Ons
Vet Exam Fee
Wellness Coverage
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 Prudent Pet and Trupanion.
Prudent Pet Claims Details
Prudent Pet has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with invoice(s) no later than 90 days after the end of the policy period. Prudent Pet also offers vet direct pay on a case-by-case basis.
Direct deposit option for receiving reimbursements
Convenient claim submission on desktop or mobile through a customer portal
75% of claims are processed and reimbursed within 24 hours
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 Prudent Pet vs. Trupanion Review
Prudent Pet and Trupanion offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Prudent Pet offers an optional wellness coverage add-on, but Trupanion does not. As for coverage, Trupanion offers coverage that doesn’t have annual payout caps. Both insurers offer Direct Vet Pay. You can configure the deductible of Trupanion’s plan, but the maximum annual limit and reimbursement rate are fixed. Prudent Pet offers options for deductibles, reimbursement rates, and annual limits. 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.
